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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 0.46% 0.28% 0.18%
Personal Savings $1,000 0.20% 0.10% 0.10%
Personal Interest Checking $2,500 0.36% 0.15% 0.21%
NSF Fee $27.90 $32.03 $-4.13
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 10.16% 10.33% -0.17%
New Auto Loan - 5 Years 2.61% 3.82% -1.21%
Used Auto Loan - 2 year Old - 4 Years 2.77% 4.02% -1.25%
HELOC - 80% LTV - $50,000 4.13% 4.41% -0.28%
HE Loan - 80% LTV - $50,000 - 15 Years 5.66% 5.95% -0.29%

Mortgage Loan Products Credit Unions Bank Average Difference
30 Year Fixed Conforming 4.24% 4.30% -0.06%
30 Year Fixed Jumbo 4.31% 4.29% 0.02%
5/1 Year ARM Conforming 2.94% 2.94% 0.00%

Credit Card Products Credit Unions Bank Average Difference
Platinum 9.01% 10.48% -1.47%
Annual Fee $25.00 $31.00 $-6.00
Maximum Late Fee $25.95 $33.42 $-7.47
Reward 9.99% 13.66% -3.67%
Annual Fee $26.71 $99.74 $-73.03
Maximum Late Fee $22.66 $33.72 $-11.06

Indirect Auto Loan Products Credit Unions Bank Average Difference
Indirect A Tier New Auto Loan - 5 Years 3.59% 3.78% -0.18%
Indirect B Tier New Auto Loan - 5 Years 5.32% 5.32% 0.00%
Indirect C Tier New Auto Loan - 5 Years 7.49% 6.77% 0.72%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Thursday, September 18, 2014. For detailed disclosures click here.



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