---
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.