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Consumer Rates

Informa Research Services, Inc.
Daily Rate Comparison

Informa Research Services, Inc.
Deposit Products Credit Unions Bank Average Difference
12 Month CD $10,000 0.48% 0.28% 0.20%
Personal Savings $1,000 0.20% 0.10% 0.10%
Personal Interest Checking $2,500 0.37% 0.15% 0.22%
NSF Fee $27.91 $30.91 $-3.00
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 10.18% 10.30% -0.12%
New Auto Loan - 5 Years 2.61% 3.83% -1.22%
Used Auto Loan - 2 year Old - 4 Years 2.77% 4.01% -1.24%
HELOC - 80% LTV - $50,000 4.13% 4.41% -0.28%
HE Loan - 80% LTV - $50,000 - 15 Years 5.66% 5.92% -0.26%

Mortgage Loan Products Credit Unions Bank Average Difference
30 Year Fixed Conforming 3.99% 4.05% -0.06%
30 Year Fixed Jumbo 4.08% 4.06% 0.02%
5/1 Year ARM Conforming 2.92% 2.85% 0.07%

Credit Card Products Credit Unions Bank Average Difference
Platinum 8.89% 10.45% -1.56%
Annual Fee $25.00 $31.00 $-6.00
Maximum Late Fee $25.54 $33.45 $-7.91
Reward 10.03% 13.68% -3.65%
Annual Fee $26.71 $99.76 $-73.05
Maximum Late Fee $22.61 $33.62 $-11.01

Indirect Auto Loan Products Credit Unions Bank Average Difference
Indirect A Tier New Auto Loan - 5 Years 3.59% 3.71% -0.12%
Indirect B Tier New Auto Loan - 5 Years 5.31% 5.23% 0.08%
Indirect C Tier New Auto Loan - 5 Years 7.46% 6.70% 0.76%

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



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