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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% 3.82% -1.24%
Used Auto Loan - 2 year Old - 4 Years 2.76% 4.02% -1.26%
HELOC - 80% LTV - $50,000 4.19% 4.41% -0.22%
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 4.15% 4.20% -0.05%
30 Year Fixed Jumbo 4.24% 4.12% 0.12%
5/1 Year ARM Conforming 2.93% 2.88% 0.05%

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 3.60% 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 Thursday, July 10, 2014. For detailed disclosures click here.

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Business Rates

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Daily Financial Rates -- 2014-07-11

Financial Rates


Friday, July 11, 2014

03:55 AM CDT

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

TermFri
7/11
Thu
7/10
Wed
7/9
Tue
7/8
Fri
6/27
1 month0.020.030.020.020.01
3 month0.020.030.030.040.04
6 month0.060.060.060.060.06
1 year0.100.110.110.120.11
2 year0.460.510.510.520.46
3 year0.930.970.990.000.90
5 year1.661.681.701.741.64
7 year2.152.172.192.242.14
10 year2.552.572.582.632.53
20 year3.103.103.123.173.08
30 year3.383.373.383.443.35

TREASURY BILLS

Results of the July 7, 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, 7/7
Week Ago
Mon, 6/23
13 weeks0.0300.025
26 weeks0.0600.050

PRIME RATE

3.25% Last changed December 16, 2008

FEDERAL FUNDS

TermFri
7/11
Thu
7/10
Wed
7/9
Tue
7/8
Fri
6/27
high0.3120.3120.3120.3120.312
low0.0500.0500.0500.0500.050
near closing bid0.0600.0700.0700.0700.060
offered0.2800.0900.2800.1000.280
effective rate20.1200.1200.1200.1200.120

FREDDIE MAC (Mortgage commitments, 30 days)

TermFri
7/11
Thu
7/10
Wed
7/9
Tue
7/8
Fri
6/27
30 year0.000.000.000.000.00

FANNIE MAE (Mortgage commitments, 30 days)

TermFri
7/11
Thu
7/10
Wed
7/9
Tue
7/8
Fri
6/27
30 year3.7353.7873.8153.8213.752

LIBOR

TermFri
7/11
Thu
7/10
Wed
7/9
Tue
7/8
Fri
6/27
1 month0.224000.224000.221000.219000.14950
3 month0.379000.379000.376000.375000.23410
6 month0.544000.544000.543000.544000.32615
1 year0.856000.857000.857000.859000.54610

COMMERCIAL PAPER (Financial, 90 days)

TermWeek ended
7/8
Week ended
6/24
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.

Other Resources

Foreign buyers continue investing in U.S. housing market

Market
WASHINGTON (7/11/14)--It's been widely reported that cash sales in the housing market have increased considerably in recent months, and one factor that may be driving the surge is the influx of foreign investment.

As home prices remain low--despite steady but slow price growth this year--and as wealth in some places in the international community has expanded, many foreign buyers are coming to the United States to purchase real estate as a home or investment.

Between April 2013 and March 2014, total sales to foreign buyers topped $92 billion, a $24 billion increase compared with the prior year, a 35% jump, according to the National Association of Realtors (NAR) 2014 Profile of International Home Buying Activity.

"We live in an international marketplace, so while all real estate is local, that does not mean that all property buyers are," said Steve Brown, NAR president and co-owner of Irongate Realtors. "Foreign buyers are being enticed to U.S. real estate because of what they recognize as attractive prices, economic stability and an incredibly opportunity for investment in the future."

Chinese nationals have particularly taken advantage of the market.

Nearly 1 in 4 dollars of foreign purchases come from Chinese buyers, according to NAR, and buying has risen more than 70% to $22 billion this year ( CNNMoney.com July 8). Further, nearly three-quarters of Chinese purchases were all-cash transactions.

But it's not only the Chinese that are gobbling up American real estate. About 28% of realtors reported working with international clients this year, with home buyers hailing from Canada, Mexico, India and the U.K.

Combined with China, those countries only made up 54% of international transactions, according to NAR.

About 39% of international buyers, meanwhile, said they intended to use the purchased property as their primary place of residence.

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