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The higher your credit score, the lower the interest rate on the mortgage. Borrowers with high credit scores tend to get lower interest rates on mortgages than borrowers with low credit scores. A credit score of 740 or higher qualifies for the best interest rates from most lenders.
For new car loans, credit unions offered an average interest rate for 48-months of 2.64 percent compared to 4.78 percent for banks. The average interest rate for credit card loans at credit unions was also lower at 11.55 percent compared to 12.89 percent for banks.For deposits, SNL Financial found credit unions, on average, had higher 5-year CD interest rates at 1.34 percent compared to banks at 1.15 percent.In the same survey, credit unions and banks had comparable interest rates for 30-year fixed mortgages (4.29 percent vs. 4.28 percent for banks).n general, credit unions offer higher savings rates and lower loan rates. This means your savings will grow faster and you will owe less over the life of your loan. Credit unions also tend to charge less in fees, require lower minimum deposit balances, and offer better interest rates on credit cards.