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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 0.18% 0.10% 0.08%
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 10.08% 9.81% 0.27%
New Auto Loan - 5 Years 2.60% 3.65% -1.05%
Used Auto Loan - 2 year Old - 4 Years 2.73% 3.88% -1.15%
HELOC - 80% LTV - $50,000 4.11% 4.34% -0.23%
HE Loan - 80% LTV - $50,000 - 15 Years 5.62% 5.83% -0.21%

Mortgage Loan Products Credit Unions Bank Average Difference
30 Year Fixed Conforming 3.73% 3.76% -0.03%
30 Year Fixed Jumbo 3.84% 3.80% 0.04%
5/1 Year ARM Conforming 3.01% 2.94% 0.07%

Credit Card Products Credit Unions Bank Average Difference
Platinum 8.86% 10.44% -1.58%
Annual Fee $25.00 $31.00 $-6.00
Maximum Late Fee $25.47 $31.57 $-6.10
Reward 10.23% 13.68% -3.45%
Annual Fee $38.33 $93.89 $-55.56
Maximum Late Fee $23.10 $33.35 $-10.25

Indirect Auto Loan Products Credit Unions Bank Average Difference
Indirect A Tier New Auto Loan - 5 Years 3.55% 3.57% -0.02%
Indirect B Tier New Auto Loan - 5 Years 5.25% 5.17% 0.07%
Indirect C Tier New Auto Loan - 5 Years 7.47% 6.66% 0.81%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Thursday, March 26, 2015. For detailed disclosures click here.

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Business Rates

Market
Daily Financial Rates -- 2015-03-27

Financial Rates


Friday, March 27, 2015

03:55 AM CDT

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

TermFri
3/27
Thu
3/26
Wed
3/25
Tue
3/24
Mon
3/23
1 month0.020.020.030.020.00
3 month0.030.040.020.030.01
6 month0.130.110.110.110.11
1 year0.280.250.240.240.24
2 year0.610.590.580.600.60
3 year0.980.940.910.930.95
5 year1.471.411.371.411.42
7 year1.811.731.681.711.73
10 year2.011.931.881.921.93
20 year2.372.282.242.292.29
30 year2.602.502.462.512.50

TREASURY BILLS

Results of the March 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, 3/23
Week Ago
Mon, 3/16
13 weeks0.0200.040
26 weeks0.1050.145

PRIME RATE

3.25% Last changed December 16, 2008

FEDERAL FUNDS

TermFri
3/27
Thu
3/26
Wed
3/25
Tue
3/24
Mon
3/23
high0.3120.3120.3120.3120.312
low0.0700.0700.0600.0700.050
near closing bid0.0800.0700.0700.1100.110
offered0.1000.2700.2700.1300.130
effective rate20.1400.1400.1300.1300.130

FREDDIE MAC (Mortgage commitments, 30 days)

TermFri
3/27
Thu
3/26
Wed
3/25
Tue
3/24
Mon
3/23
30 year0.000.000.000.000.00

FANNIE MAE (Mortgage commitments, 30 days)

TermFri
3/27
Thu
3/26
Wed
3/25
Tue
3/24
Mon
3/23
30 year3.2893.2133.2473.2613.307

LIBOR

TermFri
3/27
Thu
3/26
Wed
3/25
Tue
3/24
Mon
3/23
1 month0.236000.234000.237000.236000.23600
3 month0.389000.389000.386000.388000.38800
6 month0.537000.536000.536000.539000.53900
1 year0.840000.839000.839000.839000.83900

COMMERCIAL PAPER (Financial, 90 days)

TermWeek ended
3/24
Week ended
3/17
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

Jobless claims duck under 300K for 3rd straight week

Market
WASHINGTON (3/27/15)--Initial claims for unemployment fell by 9,000 to 282,000 for the week ending March 21, according to numbers released by the Department of Labor Thursday.

The drop, which pushes the decline over the last three weeks to 43,000, marks the third consecutive week claims have come in under 300,000 ( Economy.com March 26).

"This is welcome news as the February economic data have disappointed," said Ryan Sweet, Moody's analyst ( Economy.com ). "Our tracking estimate of first quarter GDP is only 1% at an annual rate."

The four-week moving average for jobless claims fell by 7,750 for the week to 297,000, the second decline in the last three weeks. A four-week moving average below 300,000 is historically rare, Sweet said.

Continuing claims, meanwhile, or those who filed for unemployment benefits for at least a second straight week, fell by 6,000 to 2.416 million, according to the numbers.

Though, the four-week moving average climbed by 3,000, leaving the possibility open that the unemployment rate could rise by the end of March, Moody's said.

The insured unemployment rate, at 1.8%, did not change during the week, and sits 0.3% down on a year-over-year basis.

"There are some temporary factors hurting growth this quarter, including weather and the West Coast port disruptions," Sweet said. "The good news is that claims suggest the economy has gained some momentum heading into the second quarter."

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