Credit Union Savings Calculator
Roughly what you’d keep instead of paying a bank — on your car loan, credit card and savings. No signup, no email, just move the sliders.
Set the sliders to your numbers
We start with typical amounts so you see a result straight away. Adjust to match your situation — the savings update live.
You could save about
$477 /year
- On your car loan$277/yr
- On credit-card interest$134/yr
- Extra earned on your CD$66/yr
Over the full 60-month car loan, that’s about $1,383 less interest.
Find a credit union you can join →Based on national average rates from the National Credit Union Administration (NCUA), Q4 2025 (as of December 26, 2025). Your actual rate depends on your credit and the individual credit union. Illustrative, not financial advice.
Now find one you can join
The savings are only real once you switch. Find a member-owned credit union near you — most people qualify for several.
Find credit unions near you
Use your location to see the closest member-owned credit unions. We use your coordinates once to find nearby co-ops — they’re never stored.
Prefer to browse? See credit unions by state →
How we work it out
We compare the national average rate a credit union charges or pays against the bank average for the same product, then apply the gap to your numbers. All figures come from one public source: the National Credit Union Administration (NCUA)’s Credit Union and Bank Rates, Q4 2025 (rates as of December 26, 2025, via S&P Global Market Intelligence).
- Car loan: credit unions averaged 5.44% vs 7.41% at banks on a new-car loan — we apply that to your amount and term.
- Credit card: 12.58% vs 15.27% APR — savings assume you carry the balance for a year.
- 1-year CD: 2.95% vs 2.29% — the extra interest you’d earn.
These are averages, so your own result will vary with your credit and the credit union you pick. It’s a realistic ballpark to help you decide — not a rate quote or financial advice.
Source: National Credit Union Administration (NCUA) — Credit Union and Bank Rates, Q4 2025 →
Common questions
How accurate is this estimate?
It uses the NCUA's national average rates for credit unions and banks (Q4 2025) — real published figures, not made-up numbers. Your actual rate depends on your credit profile and the specific credit union, so treat the result as a realistic ballpark, not a quote.
Do credit unions really charge less?
On loans and credit cards, on average yes — credit unions are not-for-profit and return earnings to members instead of outside shareholders, so loan rates and card APRs tend to run lower. On a basic savings account banks currently edge them slightly; on CDs and money-market accounts credit unions tend to pay more.
Can anyone join a credit union?
Almost everyone qualifies for at least one. Membership is based on a 'field of membership' — where you live or work, your employer, your family, or an association — and many credit unions have an open, easy-to-meet community charter. If one doesn't fit, another usually will.
Is my money as safe as at a bank?
Yes. Deposits at federally insured credit unions are protected by the NCUA's Share Insurance Fund up to $250,000 per account category — the same coverage level the FDIC provides at banks.