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July 25, 2014

Consumer Rates

Market

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 0.35% 0.15% 0.20%
NSF Fee $27.77 $31.91 $-4.14
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 10.16% 10.44% -0.28%
New Auto Loan - 5 Years 2.59% 3.83% -1.24%
Used Auto Loan - 2 year Old - 4 Years 2.77% 4.02% -1.25%
HELOC - 80% LTV - $50,000 4.18% 4.42% -0.24%
HE Loan - 80% LTV - $50,000 - 15 Years 5.68% 6.02% -0.34%

Mortgage Loan Products Credit Unions Bank Average Difference
30 Year Fixed Conforming 4.16% 4.21% -0.05%
30 Year Fixed Jumbo 4.24% 4.15% 0.09%
5/1 Year ARM Conforming 2.93% 2.90% 0.03%

Credit Card Products Credit Unions Bank Average Difference
Platinum 9.17% 11.03% -1.86%
Annual Fee $25.00 $48.60 $-23.60
Maximum Late Fee $26.22 $34.29 $-8.07
Reward 9.95% 11.94% -1.99%
Annual Fee $26.71 $99.75 $-73.04
Maximum Late Fee $22.48 $33.15 $-10.67

Indirect Auto Loan Products Credit Unions Bank Average Difference
Indirect A Tier New Auto Loan - 5 Years 3.60% 3.77% -0.17%
Indirect B Tier New Auto Loan - 5 Years 5.34% 5.30% 0.04%
Indirect C Tier New Auto Loan - 5 Years 7.53% 6.72% 0.82%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Thursday, July 24, 2014. For detailed disclosures click here.

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Business Rates

Market
Daily Financial Rates -- 2014-07-25

Financial Rates


Friday, July 25, 2014

03:55 AM CDT

TREASURY YIELD CURVE
(based on the $1 million market)

TermFri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
Mon
7/21
1 month0.040.030.030.020.03
3 month0.030.030.030.030.02
6 month0.060.050.070.060.05
1 year0.110.110.110.110.10
2 year0.530.500.490.510.51
3 year0.000.960.970.990.97
5 year1.721.671.681.701.69
7 year2.182.122.132.142.14
10 year2.522.482.482.492.50
20 year3.040.000.003.013.03
30 year3.303.263.253.263.29

TREASURY BILLS

Results of the July 21, 2014 auction of short-term U.S. government bills, sold at a discount from face value in units of $10,000 to $ 1 million

TermLatest
Mon, 7/21
Week Ago
Mon, 7/14
13 weeks0.0250.025
26 weeks0.0550.060

PRIME RATE

3.25% Last changed December 16, 2008

FEDERAL FUNDS

TermFri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
Mon
7/21
high0.3120.3120.3120.3120.312
low0.0500.0600.0600.0600.050
near closing bid0.0600.0500.0700.0600.070
offered0.0800.0800.0900.0800.100
effective rate20.1200.1200.1200.1300.120

FREDDIE MAC (Mortgage commitments, 30 days)

TermFri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
Mon
7/21
30 year0.000.000.000.000.00

FANNIE MAE (Mortgage commitments, 30 days)

TermFri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
Mon
7/21
30 year3.7763.7403.7723.7593.759

LIBOR

TermFri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
Mon
7/21
1 month0.225000.224000.223000.219000.22200
3 month0.379000.378000.375000.374000.37200
6 month0.546000.544000.544000.540000.54100
1 year0.856000.855000.854000.853000.85300

COMMERCIAL PAPER (Financial, 90 days)

TermWeek ended
7/22
Week ended
7/15
90 days0.230.23

NA: Data not available at time of page generation (shown at top of page)

Sources:
Wall Street Journal
U.S. Dept. of the Treasury


All rates are from the previous business day unless otherwise noted. ReadMore

Other Resources

New-home sales sink to 3-month low in June

Market
WASHINGTON (7/25/14)--Sales of new single-family homes fell 8.1% in June to 406,000 annualized units, according to numbers released by the Commerce Department Thursday.

Sales are down 11.5% year-over-year, and the weak month means a second straight quarter of decline for new homes after an abysmal first quarter ( Economy.com July 24).

The Census Bureau also revised new-home sales in May substantially lower than the 504,000 annualized units that were initially reported by 12%, further undercutting the second-quarter's new-home sales performance.

"The June new-home report is unexpectedly weak," said Celia Chen, Moody's analyst ( Economy.com ). "Sales are down again in the second quarter and slack is creeping back into the market."

All U.S. regions witnessed a drop in sales in June, with the Northeast and South experiencing the steepest declines.

Meanwhile, inventory outpaced demand, as the number of new homes for sale climbed 3% in June. Median prices for new homes fell $3,100 as well, but prices still sit 5.3% higher than prices in June 2013.  ReadMore

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