Monday, May 20, 2013

Indirect Auto Loan Rates (as of 05/20/2013)
Product Region New Automobile Rates
A+ A B C D Avg
New60MoCentral Midwest2.502.964.045.357.794.53
1YrUsed60MoCentral Midwest2.593.014.135.377.824.58
2YrUsed60MoCentral Midwest2.673.104.235.537.994.71
New60MoNortheast2.582.943.424.756.324.00
1YrUsed60MoNortheast2.602.953.444.796.344.02
2YrUsed60MoNortheast2.793.163.684.996.584.24
New60MoNorthwest2.573.023.795.937.834.63
1YrUsed60MoNorthwest2.623.083.856.027.944.70
2YrUsed60MoNorthwest2.693.173.976.097.994.78
New60MoSoutheast2.412.853.575.068.004.38
1YrUsed60MoSoutheast2.452.903.605.118.064.42
2YrUsed60MoSoutheast2.552.993.725.268.244.55
New60MoTexas & Southwest2.643.003.695.708.714.75
1YrUsed60MoTexas & Southwest2.663.023.705.708.734.76
2YrUsed60MoTexas & Southwest2.723.083.805.828.824.85
New60MoWestern2.743.374.145.517.794.71
1YrUsed60MoWestern2.783.434.245.707.944.82
2YrUsed60MoWestern2.823.484.305.767.984.86
Deposit Product Rates (as of 05/20/2013)
Product Banks & Thrifts Credit Unions National
Hi Low Avg Hi Low Avg Hi Low Avg
Interest Checking $2,5004.010.010.233.500.010.424.010.010.25
Premium Interest Checking $10K4.010.010.233.010.010.354.010.010.25
Regular Savings $1K4.000.010.1210.000.010.2110.000.010.14
Money Market $10K2.610.010.171.510.010.212.610.010.18
High Liquid Money Market $25K1.110.010.211.510.010.261.510.010.22
High Liquid Money Market $50K1.010.010.241.010.010.311.050.010.25
3 Month CD $25K0.900.010.121.150.010.211.150.010.13
6 Month CD $25K1.010.010.191.150.010.301.150.010.21
1 Year CD $25K1.510.030.291.300.010.431.510.010.32
2 Year CD $25K1.770.050.461.610.010.651.770.010.49
5 Year CD $25K2.530.050.942.500.051.342.530.051.01
1 Year Jumbo CD1.510.040.311.360.010.461.510.010.33
Fees and Service Charges (as of 05/20/2013)
Fees National Banks
Hi Low Avg
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
High Low Avg High Low Avg NW SW MW SE NE
15 Year Fixed Conforming2.924.020.132.913.572.502.922.932.932.902.942.91
30 Year Fixed Conforming3.665.343.033.654.193.033.673.713.643.643.683.64
15 Year Fixed Jumbo3.185.292.533.126.282.783.453.193.233.113.213.17
30 Year Fixed Jumbo3.946.073.313.886.273.434.193.973.983.873.943.95
3 Year Adjustable Conforming2.973.882.422.983.302.462.882.952.982.982.972.95
5 Year Adjustable Conforming2.854.062.432.853.422.432.872.802.882.842.852.85
7 Year Adjustable Conforming2.864.242.572.843.722.582.952.812.892.842.862.88
Home Equity Rates (as of 05/20/2013)
Type Nat'l Avg Rate Banks & Thrifts Credit Unions Regional Averages
High Low Avg High Low Avg NW SW MW SE NE
Home Equity Loans - 5 yr term, $25K, 80% LTV5.6829.7502.4905.8558.5002.2405.2545.8245.9235.5335.8185.351
Home Equity Loans - 10 yr term, $75K, 80% LTV5.7979.0002.4905.8928.7502.5005.5876.0585.9175.8085.9145.376
Home Equity Loans - 15 yr term, $125K, 80% LTV5.9759.6002.4906.0658.5002.5005.7836.2666.0445.9556.0075.701
Home Equity Lines of Credit - $25K, 80% LTV
Base Rate6.24910.5502.7506.4728.7502.5004.9456.2056.4316.0896.4346.153
Introductory Rate2.8375.2500.0002.8195.9900.7502.8583.1703.2022.9002.5992.568
Home Equity Lines of Credit - $75K, 80% LTV
Base Rate5.90110.0002.7506.0708.5002.5004.8625.9916.0515.8326.0015.714
Introductory Rate2.8235.2500.0002.8105.9900.7502.8403.1703.2022.9002.5212.572
Home Equity Lines of Credit - $125K, 80% LTV
Base Rate5.7729.7502.7505.9028.5002.5004.8095.7735.9055.7495.9395.557
Introductory Rate2.8605.2500.0002.8345.9900.7502.8943.1703.2392.8952.7632.550
Credit Card Rates (as of 05/20/2013)
Credit Cards Terms
APR Annual Fee Grace Period (Days)
Platinum Card$60.91825
Purchase APR11.091
Purchase Introductory APR0.653
Reward Card$83.76725
Purchase APR11.826
Purchase Introductory APR0.804

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