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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 $27.78 $31.94 $-4.16
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 10.15% 10.43% -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 4.14% 4.20% -0.06%
30 Year Fixed Jumbo 4.23% 4.15% 0.08%
5/1 Year ARM Conforming 2.93% 2.91% 0.02%

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 3.59% 3.77% -0.18%
Indirect B Tier New Auto Loan - 5 Years 5.33% 5.30% 0.03%
Indirect C Tier New Auto Loan - 5 Years 7.49% 6.72% 0.77%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Tuesday, July 29, 2014. For detailed disclosures click here.



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