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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 0.35% 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 10.17% 10.43% -0.26%
New Auto Loan - 5 Years 2.58% 3.83% -1.25%
Used Auto Loan - 2 year Old - 4 Years 2.76% 4.02% -1.26%
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 4.23% 4.17% 0.06%
5/1 Year ARM Conforming 2.94% 2.90% 0.04%

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 Sunday, July 27, 2014. For detailed disclosures click here.

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Business Rates

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Daily Financial Rates -- 2014-07-28

Financial Rates


Monday, July 28, 2014

03:55 AM CDT

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

TermMon
7/28
Fri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
1 month0.030.040.030.030.02
3 month0.030.030.030.030.03
6 month0.060.060.050.070.06
1 year0.110.110.110.110.11
2 year0.530.530.500.490.51
3 year0.980.000.960.970.99
5 year1.691.721.671.681.70
7 year2.142.182.122.132.14
10 year2.482.522.482.482.49
20 year2.993.040.000.003.01
30 year3.243.303.263.253.26

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

TermMon
7/28
Fri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
high0.3120.3120.3120.3120.312
low0.0500.0500.0600.0600.060
near closing bid0.0700.0600.0500.0700.060
offered0.1000.0800.0800.0900.080
effective rate20.1200.1200.1200.1200.130

FREDDIE MAC (Mortgage commitments, 30 days)

TermMon
7/28
Fri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
30 year0.000.000.000.000.00

FANNIE MAE (Mortgage commitments, 30 days)

TermMon
7/28
Fri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
30 year3.8073.7763.7403.7723.759

LIBOR

TermMon
7/28
Fri
7/25
Thu
7/24
Wed
7/23
Tue
7/22
1 month0.226000.225000.224000.223000.21900
3 month0.380000.379000.378000.375000.37400
6 month0.546000.546000.544000.544000.54000
1 year0.855000.856000.855000.854000.85300

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.

Other Resources

Auto-loan balances race to all-time high: Equifax

Market
ATLANTA (7/28/14)--Halfway through 2014, auto-loan balances have surged to $902.2 billion, an all-time high, according to the Equifax National Consumer Trends Report, released last week.

Total loan balances have jumped 10% since this time last year, while the total number of auto-loans outstanding climbed by 8.1 million to 64 million over that same stretch.

Meanwhile, serious delinquencies continue to hover near all-time lows, making up less than 1% of total outstanding balances for the third straight month.

"Auto lending continues to thrive, accounting for more than 50% of all new non-mortgage lending through April," said Dennis Carlson, Equifax deputy chief economist. "Lenders are responding to record-low delinquencies by offering great rates and terms, while consumers are responding to the improving economic conditions by making the decision to purchase newer vehicles."

Subprime lending also has swelled across all sectors this year, Carlson said, which could signal prosperous times ahead as a "fully functioning second-chance market is essential for a healthy economy."

Subprime borrowers, or those with credit scores of 640 or lower, made up 32% of all new auto loans originated over the last 12 months.

The total balance of subprime auto loans sits at $46.2 billion, an 8-year high and 28.2% of all new auto-loan balances.
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