<prompt> Human: I bank with navy federal credit union since 2011. I use my CC for 95 of transactions, excluding monthly bills, and pay it off when the statement comes. I have always paid the balance in full and never have accrued any interest. Over the past year or two my interest rate has gone from 10 to 11.5. Why is this? My credit score is about 740 relatively unchanged and I havent made any recent big purchases other than a 27,000 vehicle over a year ago. My spending habits have also been unchanged. Is this just the market or am I doing something wrong?Assistant: Interest rates are rising. Since you dont carry a balance, dont worry about it.Human: Thank you. Is an interest rate of 11.5 about average?  <response>: Better than average I would say 