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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 0.49% 0.27% 0.22%
Personal Savings $1,000 0.20% 0.09% 0.11%
Personal Interest Checking $2,500 0.36% 0.15% 0.21%
NSF Fee $28.04 $30.70 $-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 10.10% 10.21% -0.11%
New Auto Loan - 5 Years 2.60% 3.74% -1.14%
Used Auto Loan - 2 year Old - 4 Years 2.76% 3.99% -1.23%
HELOC - 80% LTV - $50,000 4.11% 4.35% -0.24%
HE Loan - 80% LTV - $50,000 - 15 Years 5.60% 5.85% -0.25%

Mortgage Loan Products Credit Unions Bank Average Difference
30 Year Fixed Conforming 3.80% 3.81% -0.01%
30 Year Fixed Jumbo 3.88% 3.88% 0.00%
5/1 Year ARM Conforming 3.02% 2.96% 0.06%

Credit Card Products Credit Unions Bank Average Difference
Platinum 8.85% 10.59% -1.74%
Annual Fee $25.00 $31.00 $-6.00
Maximum Late Fee $25.51 $32.28 $-6.77
Reward 10.09% 13.02% -2.93%
Annual Fee $29.62 $94.15 $-64.53
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 3.57% 3.65% -0.08%
Indirect B Tier New Auto Loan - 5 Years 5.26% 5.21% 0.05%
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 Sunday, March 01, 2015. For detailed disclosures click here.

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Business Rates

Market
Daily Financial Rates -- 2015-03-02

Financial Rates


Monday, March 2, 2015

03:55 AM CST

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

TermMon
3/2
Fri
2/27
Thu
2/26
Wed
2/25
Tue
2/24
1 month0.020.020.020.020.01
3 month0.030.030.020.020.02
6 month0.070.070.070.080.08
1 year0.220.220.210.220.22
2 year0.660.660.610.600.64
3 year1.041.040.980.971.03
5 year1.541.541.471.471.56
7 year1.861.861.781.791.88
10 year2.032.031.961.992.06
20 year2.392.392.352.382.44
30 year2.632.632.562.602.66

TREASURY BILLS

Results of the February 23, 2015 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, 2/23
Week Ago
Tue, 2/17
13 weeks0.0200.015
26 weeks0.0650.065

PRIME RATE

3.25% Last changed December 16, 2008

FEDERAL FUNDS

TermMon
3/2
Fri
2/27
Thu
2/26
Wed
2/25
Tue
2/24
high0.3120.3120.3120.3120.312
low0.0100.0700.0500.0200.030
near closing bid0.0500.0600.1000.0800.040
offered0.2700.0900.1300.2800.060
effective rate20.1000.1400.1400.1300.130

FREDDIE MAC (Mortgage commitments, 30 days)

TermMon
3/2
Fri
2/27
Thu
2/26
Wed
2/25
Tue
2/24
30 year0.000.000.000.000.00

FANNIE MAE (Mortgage commitments, 30 days)

TermMon
3/2
Fri
2/27
Thu
2/26
Wed
2/25
Tue
2/24
30 year3.3623.3263.3313.3913.411

LIBOR

TermMon
3/2
Fri
2/27
Thu
2/26
Wed
2/25
Tue
2/24
1 month0.237000.237000.236000.237000.23500
3 month0.386000.385000.386000.384000.38600
6 month0.539000.539000.540000.540000.54000
1 year0.839000.839000.840000.841000.84000

COMMERCIAL PAPER (Financial, 90 days)

TermWeek ended
2/24
Week ended
2/18
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

Pending-home sales highest since Aug. 2013

Market
WASHINGTON (3/2/15)--Pending-home sales recorded solid gains in January after December's step back, according to the National Association of Realtors (NAR).

On a seasonally adjusted annualized basis, the NAR pending-home sales index climbed 1.7% to 104.2 during the month, putting sales 8.4% ahead of last year's pace (Economy.com Feb. 27).

Pending-home sales are a leading indicator for the housing market, and precede changes in existing-home sales by one to two months, said Brent Campbell, Moody's analyst (Economy.com).

"Contract activity is convincingly up compared to a year ago despite comparable inventory levels," said Lawrence Yun, NAR chief economist. "The difference this year is the positive factors supporting stronger sales, such as slightly improving credit conditions, more jobs and slower price growth."

Gains were uneven by region, as pending sales climbed in the South and West by 3.2% and 2.2% respectively, while the snow-swept Northeast and Midwest recorded a 0.1% gain and a 0.7% retreat respectively.

On an annual basis, pending-home sales jumped 11.4% in the West, 9.7% in the South, 6.9% in the Northeast and 4.2% in the Midwest.

"All indications point to modest sales gains as we head into the spring buying season," Yun said. "However, the pace will greatly depend on how much upward pressure the impact of low inventory will have on home prices."

Other Resources

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