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Market
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 0.49% 0.28% 0.21%
Personal Savings $1,000 0.20% 0.10% 0.10%
Personal Interest Checking $2,500 0.37% 0.15% 0.22%
NSF Fee $28.03 $30.69 $-2.66
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 10.11% 10.18% -0.07%
New Auto Loan - 5 Years 2.61% 3.89% -1.28%
Used Auto Loan - 2 year Old - 4 Years 2.75% 4.04% -1.29%
HELOC - 80% LTV - $50,000 4.12% 4.37% -0.25%
HE Loan - 80% LTV - $50,000 - 15 Years 5.63% 5.90% -0.27%

Mortgage Loan Products Credit Unions Bank Average Difference
30 Year Fixed Conforming 3.66% 3.70% -0.04%
30 Year Fixed Jumbo 3.77% 3.85% -0.08%
5/1 Year ARM Conforming 2.97% 2.90% 0.07%

Credit Card Products Credit Unions Bank Average Difference
Platinum 8.85% 10.43% -1.58%
Annual Fee $25.00 $31.00 $-6.00
Maximum Late Fee $25.51 $31.75 $-6.24
Reward 10.10% 13.02% -2.92%
Annual Fee $28.50 $94.15 $-65.65
Maximum Late Fee $22.21 $33.02 $-10.81

Indirect Auto Loan Products Credit Unions Bank Average Difference
Indirect A Tier New Auto Loan - 5 Years 3.58% 3.63% -0.05%
Indirect B Tier New Auto Loan - 5 Years 5.29% 5.20% 0.09%
Indirect C Tier New Auto Loan - 5 Years 7.45% 6.65% 0.80%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Monday, January 26, 2015. For detailed disclosures click here.



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