| --- |
| license: cc-by-4.0 |
| language: |
| - en |
| pretty_name: MonitorBankRates U.S. Bank & Credit Union Rate Averages |
| tags: |
| - finance |
| - banking |
| - bank-rates |
| - interest-rates |
| - cd-rates |
| - savings-rates |
| - mortgage-rates |
| - auto-loan-rates |
| - apy |
| - apr |
| - deposits |
| - mortgages |
| - credit-unions |
| - housing-affordability |
| - insurance |
| - united-states |
| - time-series |
| - economics |
| size_categories: |
| - 10K<n<100K |
| --- |
| |
| # MonitorBankRates U.S. Bank & Credit Union Rate Averages |
|
|
| Weekly national and state-level average interest rates for U.S. consumer deposit and lending products, computed by |
| [MonitorBankRates.com](https://www.monitorbankrates.com/) from the published rates of more than 8,000 FDIC-insured banks |
| and NCUA-chartered credit unions, plus the MonitorBankRates Housing Affordability Index and Insurance Burden Indexes. |
|
|
| **Source:** MonitorBankRates.com (Monitor Bank Rates LLC), collecting rates since 2008. |
| **Coverage:** United States, national and all 50 states + DC. |
| **Series start:** March 2026 (daily averages; weekly snapshots published here). |
| **Update cadence:** Weekly. |
| **License:** CC BY 4.0 — free to use with attribution to "MonitorBankRates.com" and a link. |
|
|
| ## Files |
|
|
| | File | Scope | Contents | |
| |---|---|---| |
| | `savings_national.csv` / `savings_states.csv` | US / by state | Standard, high-yield, jumbo, credit union, business savings APY | |
| | `money_market_national.csv` / `money_market_states.csv` | US / by state | Standard, high-yield, jumbo, credit union, business money market APY | |
| | `cd_national.csv` / `cd_states.csv` | US / by state | CD APY for 3, 6, 12, 18, 24, 36, 48, 60-month terms | |
| | `checking_national.csv` / `checking_states.csv` | US / by state | High-yield, rewards, free, credit union, business checking APY | |
| | `mortgage_national.csv` | US | 30-year, 15-year, ARM, jumbo, FHA, VA mortgage APR | |
| | `auto_loan_national.csv` | US | New, used, and general auto loan APR | |
| | `personal_loan_national.csv` | US | Unsecured personal, debt consolidation, signature loan APR | |
| | `credit_card_national.csv` | US | Credit card APR by card type | |
| | `hai_national.csv` / `hai_states.csv` | US / by state | MBR Housing Affordability Index (MBR-HAI) score history | |
| | `hibi_states.csv` | by state | MBR Home Insurance Burden Index (annual) | |
| | `aibi_states.csv` | by state | MBR Auto Insurance Burden Index (annual) | |
|
|
| Rates are in percent (e.g. `2.855` = 2.855%). Deposit products are annual percentage yield (APY); lending products are |
| annual percentage rate (APR). Each row carries the observation date. |
|
|
| ## Methodology |
|
|
| MonitorBankRates collects published rates daily from each institution's own rate pages. An average is the simple mean of |
| every current, plausible published quote for a product classification across all institutions — not a survey sample and |
| not weighted by deposits. Products are classified into standard keys (for example, `12-month` for any certificate with a |
| 12-month term). State averages include institutions headquartered in the state or operating branches there. |
|
|
| The **MBR Housing Affordability Index** scores 100 when a median-income household can exactly afford the median-priced home |
| at the current MBR average 30-year mortgage rate; higher is more affordable. It is recomputed daily from the mortgage |
| average, ACS median income and home value, and standard underwriting assumptions. |
|
|
| The **Home and Auto Insurance Burden Indexes** score 100 at the U.S. average burden (premium as a share of median household |
| income, blended with premium level); higher is a heavier burden. Premium data from NAIC, incomes from ACS. Updated annually. |
|
|
| Full methodology and live pages: https://www.monitorbankrates.com/datasets/ |
|
|
| ## Citation |
|
|
| > MonitorBankRates.com, *U.S. Bank & Credit Union Rate Averages*, Monitor Bank Rates LLC, 2026. |
| > https://www.monitorbankrates.com/datasets/ |
|
|
| ## Also available |
|
|
| - Free MCP server for AI assistants (Claude, ChatGPT): `https://mcp.monitorbankrates.com/mcp` |
| - Licensed REST API for institutional use: https://www.monitorbankrates.com/bank-rate-data-api-competitive-intelligence-dashboard/ |
| - Terms: https://www.monitorbankrates.com/api-terms/ |
|
|
| ## Disclaimer |
|
|
| Rates change daily and are published by institutions without notice; verify with the institution before acting. |
| MonitorBankRates.com is an independent rate aggregator, not a bank, lender, insurer, or financial adviser. Index scores are |
| MonitorBankRates methodologies, not guarantees. |
|
|
