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Informa Research Services, Inc.
Daily Rate Comparison

Informa Research Services, Inc.
Deposit Products Credit Unions Bank Average Difference
12 Month CD $10,000 0.45% 0.28% 0.17%
Personal Savings $1,000 0.21% 0.10% 0.11%
Personal Interest Checking $2,500 0.34% 0.15% 0.19%
NSF Fee $27.74 $31.91 $-4.17
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 10.13% 10.43% -0.30%
New Auto Loan - 5 Years 2.58% 3.83% -1.25%
Used Auto Loan - 2 year Old - 4 Years 2.77% 4.02% -1.25%
HELOC - 80% LTV - $50,000 4.19% 4.42% -0.23%
HE Loan - 80% LTV - $50,000 - 15 Years 5.67% 6.01% -0.34%

Mortgage Loan Products Credit Unions Bank Average Difference
30 Year Fixed Conforming 4.14% 4.20% -0.06%
30 Year Fixed Jumbo 4.24% 4.12% 0.12%
5/1 Year ARM Conforming 2.93% 2.89% 0.04%

Credit Card Products Credit Unions Bank Average Difference
Platinum 9.19% 11.04% -1.85%
Annual Fee $25.00 $48.60 $-23.60
Maximum Late Fee $26.21 $34.28 $-8.07
Reward 9.97% 11.94% -1.97%
Annual Fee $26.71 $99.75 $-73.04
Maximum Late Fee $22.51 $33.15 $-10.64

Indirect Auto Loan Products Credit Unions Bank Average Difference
Indirect A Tier New Auto Loan - 5 Years 3.59% 3.77% -0.17%
Indirect B Tier New Auto Loan - 5 Years 5.34% 5.30% 0.03%
Indirect C Tier New Auto Loan - 5 Years 7.54% 6.72% 0.81%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Sunday, July 13, 2014. For detailed disclosures click here.



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