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Consumer Rates

Informa Research Services, Inc.
Daily Rate Comparison

Informa Research Services, Inc.
Deposit Products Credit Unions Bank Average Difference
12 Month CD $10,000 0.48% 0.28% 0.20%
Personal Savings $1,000 0.20% 0.10% 0.10%
Personal Interest Checking $2,500 0.36% 0.15% 0.21%
NSF Fee $27.95 $30.67 $-2.72
Personal MMDA $2,500 0.17% 0.10% 0.07%
Business MMDA $2,500 0.17% 0.09% 0.08%

Consumer Loan Products Credit Unions Bank Average Difference
Unsecured Personal Loan - $5,000 - 4 Years 10.00% 10.31% -0.31%
New Auto Loan - 5 Years 2.62% 3.90% -1.28%
Used Auto Loan - 2 year Old - 4 Years 2.78% 4.10% -1.32%
HELOC - 80% LTV - $50,000 4.11% 4.37% -0.26%
HE Loan - 80% LTV - $50,000 - 15 Years 5.66% 5.90% -0.24%

Mortgage Loan Products Credit Unions Bank Average Difference
30 Year Fixed Conforming 3.86% 3.87% -0.01%
30 Year Fixed Jumbo 4.04% 3.97% 0.07%
5/1 Year ARM Conforming 2.97% 2.89% 0.08%

Credit Card Products Credit Unions Bank Average Difference
Platinum 8.85% 10.50% -1.65%
Annual Fee $25.00 $31.00 $-6.00
Maximum Late Fee $25.65 $33.45 $-7.80
Reward 10.08% 13.22% -3.14%
Annual Fee $26.81 $98.57 $-71.76
Maximum Late Fee $22.34 $33.73 $-11.39

Indirect Auto Loan Products Credit Unions Bank Average Difference
Indirect A Tier New Auto Loan - 5 Years 3.59% 3.62% -0.02%
Indirect B Tier New Auto Loan - 5 Years 5.32% 5.20% 0.13%
Indirect C Tier New Auto Loan - 5 Years 7.47% 6.65% 0.82%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Wednesday, December 17, 2014. For detailed disclosures click here.



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