Credit Union Interest Rates

Indirect Auto Loan Rates (as of 05/20/2013)
Product	Region	New Automobile Rates
Product	Region	A+	A	B	C	D	Avg
Copyright © 2013 Informa Research Services, Inc., 800-848-0218							FAQ's
New60Mo	Central Midwest	2.50	2.96	4.04	5.35	7.79	4.53
1YrUsed60Mo	Central Midwest	2.59	3.01	4.13	5.37	7.82	4.58
2YrUsed60Mo	Central Midwest	2.67	3.10	4.23	5.53	7.99	4.71
New60Mo	Northeast	2.58	2.94	3.42	4.75	6.32	4.00
1YrUsed60Mo	Northeast	2.60	2.95	3.44	4.79	6.34	4.02
2YrUsed60Mo	Northeast	2.79	3.16	3.68	4.99	6.58	4.24
New60Mo	Northwest	2.57	3.02	3.79	5.93	7.83	4.63
1YrUsed60Mo	Northwest	2.62	3.08	3.85	6.02	7.94	4.70
2YrUsed60Mo	Northwest	2.69	3.17	3.97	6.09	7.99	4.78
New60Mo	Southeast	2.41	2.85	3.57	5.06	8.00	4.38
1YrUsed60Mo	Southeast	2.45	2.90	3.60	5.11	8.06	4.42
2YrUsed60Mo	Southeast	2.55	2.99	3.72	5.26	8.24	4.55
New60Mo	Texas & Southwest	2.64	3.00	3.69	5.70	8.71	4.75
1YrUsed60Mo	Texas & Southwest	2.66	3.02	3.70	5.70	8.73	4.76
2YrUsed60Mo	Texas & Southwest	2.72	3.08	3.80	5.82	8.82	4.85
New60Mo	Western	2.74	3.37	4.14	5.51	7.79	4.71
1YrUsed60Mo	Western	2.78	3.43	4.24	5.70	7.94	4.82
2YrUsed60Mo	Western	2.82	3.48	4.30	5.76	7.98	4.86

Deposit Product Rates (as of 05/20/2013)
Product	Banks & Thrifts			Credit Unions			National
Product	Hi	Low	Avg	Hi	Low	Avg	Hi	Low	Avg
Copyright © 2013 Informa Research Services, Inc., 800-848-0218									FAQ's
Interest Checking $2,500	4.01	0.01	0.23	3.50	0.01	0.42	4.01	0.01	0.25
Premium Interest Checking $10K	4.01	0.01	0.23	3.01	0.01	0.35	4.01	0.01	0.25
Regular Savings $1K	4.00	0.01	0.12	10.00	0.01	0.21	10.00	0.01	0.14
Money Market $10K	2.61	0.01	0.17	1.51	0.01	0.21	2.61	0.01	0.18
High Liquid Money Market $25K	1.11	0.01	0.21	1.51	0.01	0.26	1.51	0.01	0.22
High Liquid Money Market $50K	1.01	0.01	0.24	1.01	0.01	0.31	1.05	0.01	0.25
3 Month CD $25K	0.90	0.01	0.12	1.15	0.01	0.21	1.15	0.01	0.13
6 Month CD $25K	1.01	0.01	0.19	1.15	0.01	0.30	1.15	0.01	0.21
1 Year CD $25K	1.51	0.03	0.29	1.30	0.01	0.43	1.51	0.01	0.32
2 Year CD $25K	1.77	0.05	0.46	1.61	0.01	0.65	1.77	0.01	0.49
5 Year CD $25K	2.53	0.05	0.94	2.50	0.05	1.34	2.53	0.05	1.01
1 Year Jumbo CD	1.51	0.04	0.31	1.36	0.01	0.46	1.51	0.01	0.33

Fees and Service Charges (as of 05/20/2013)
Fees	National Banks
Fees	Hi	Low	Avg
Copyright © 2013 Informa Research Services, Inc., 800-848-0218			FAQ's
NSF Fee	$45.00	$9.00	$31.52
ATM Surcharge Fee	$5.00	$0.00	$2.64
Stop Payment Fee	$40.00	$0.00	$29.90
Bill Pay Monthly Fee	$35.00	$0.00	$6.30

Mortgage Rates (as of 05/20/2013)
Nat'l Avg Rate		Banks & Thrifts			Credit Unions			Regional Averages
Nat'l Avg Rate		High	Low	Avg	High	Low	Avg	NW	SW	MW	SE	NE
Copyright © 2013 Informa Research Services, Inc., 800-848-0218												FAQ's
15 Year Fixed Conforming	2.92	4.02	0.13	2.91	3.57	2.50	2.92	2.93	2.93	2.90	2.94	2.91
30 Year Fixed Conforming	3.66	5.34	3.03	3.65	4.19	3.03	3.67	3.71	3.64	3.64	3.68	3.64
15 Year Fixed Jumbo	3.18	5.29	2.53	3.12	6.28	2.78	3.45	3.19	3.23	3.11	3.21	3.17
30 Year Fixed Jumbo	3.94	6.07	3.31	3.88	6.27	3.43	4.19	3.97	3.98	3.87	3.94	3.95
3 Year Adjustable Conforming	2.97	3.88	2.42	2.98	3.30	2.46	2.88	2.95	2.98	2.98	2.97	2.95
5 Year Adjustable Conforming	2.85	4.06	2.43	2.85	3.42	2.43	2.87	2.80	2.88	2.84	2.85	2.85
7 Year Adjustable Conforming	2.86	4.24	2.57	2.84	3.72	2.58	2.95	2.81	2.89	2.84	2.86	2.88

Home Equity Rates (as of 05/20/2013)
Type	Nat'l Avg Rate	Banks & Thrifts			Credit Unions			Regional Averages
Type	Nat'l Avg Rate	High	Low	Avg	High	Low	Avg	NW	SW	MW	SE	NE
Copyright © 2013 Informa Research Services, Inc., 800-848-0218												FAQ's
Home Equity Loans - 5 yr term, $25K, 80% LTV	5.682	9.750	2.490	5.855	8.500	2.240	5.254	5.824	5.923	5.533	5.818	5.351
Home Equity Loans - 10 yr term, $75K, 80% LTV	5.797	9.000	2.490	5.892	8.750	2.500	5.587	6.058	5.917	5.808	5.914	5.376
Home Equity Loans - 15 yr term, $125K, 80% LTV	5.975	9.600	2.490	6.065	8.500	2.500	5.783	6.266	6.044	5.955	6.007	5.701
Home Equity Lines of Credit - $25K, 80% LTV
Base Rate	6.249	10.550	2.750	6.472	8.750	2.500	4.945	6.205	6.431	6.089	6.434	6.153
Introductory Rate	2.837	5.250	0.000	2.819	5.990	0.750	2.858	3.170	3.202	2.900	2.599	2.568
Home Equity Lines of Credit - $75K, 80% LTV
Base Rate	5.901	10.000	2.750	6.070	8.500	2.500	4.862	5.991	6.051	5.832	6.001	5.714
Introductory Rate	2.823	5.250	0.000	2.810	5.990	0.750	2.840	3.170	3.202	2.900	2.521	2.572
Home Equity Lines of Credit - $125K, 80% LTV
Base Rate	5.772	9.750	2.750	5.902	8.500	2.500	4.809	5.773	5.905	5.749	5.939	5.557
Introductory Rate	2.860	5.250	0.000	2.834	5.990	0.750	2.894	3.170	3.239	2.895	2.763	2.550

Credit Card Rates (as of 05/20/2013)
Credit Cards	Terms
Credit Cards	APR	Annual Fee	Grace Period (Days)
Copyright © 2013 Informa Research Services, Inc., 800-848-0218			FAQ's
Platinum Card		$60.918	25
Purchase APR	11.091
Purchase Introductory APR	0.653
Reward Card		$83.767	25
Purchase APR	11.826
Purchase Introductory APR	0.804

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