Deposit Products	Credit Unions	Bank Average	Difference
12 Month CD $10,000	0.57%	0.41%	0.16%
Personal Savings $1,000	0.27%	0.16%	0.11%
Personal Interest Checking $2,500	0.39%	0.19%	0.20%
NSF Fee	$26.68	$29.25	$-2.57
Personal MMDA $2,500	0.23%	0.15%	0.08%
Business MMDA $2,500	0.23%	0.13%	0.10%
Consumer Loan Products	Credit Unions	Bank Average	Difference
Unsecured Personal Loan - $5000 - 4 Years	10.56%	10.60%	-0.04%
New Auto Loan - 5 Years	3.42%	4.89%	-1.47%
Used Auto Loan - 2 year Old - 4 Years	3.55%	5.14%	-1.59%
HELOC - 80% LTV - $50000	4.36%	4.65%	-0.29%
HE Loan - 80% LTV - $50000 - 15 Years	6.38%	6.67%	-0.29%
Mortgage Loan Products	Credit Unions	Bank Average	Difference
30 Year Fixed Conforming	3.92%	3.92%	0.00%
30 Year Fixed Jumbo	4.41%	4.40%	0.01%
5/1 Year ARM Conforming	2.91%	3.12%	-0.21%
Credit Card Products	Credit Unions	Bank Average	Difference
Platinum	9.53%	12.63%	-3.10%
Annual Fee	$31.50	$34.95	$-3.45
Maximum Late Fee	$24.92	$34.62	$-9.70
Reward	10.16%	13.18%	-3.02%
Annual Fee	$27.56	$107.77	$-80.21
Maximum Late Fee	$23.35	$33.40	$-10.05
Indirect Auto Loan Products	Credit Unions	Bank Average	Difference
Indirect A Tier New Auto Loan - 5 Years	4.23%	4.39%	-0.16%
Indirect B Tier New Auto Loan - 5 Years	6.09%	6.16%	-0.07%
Indirect C Tier New Auto Loan - 5 Years	8.27%	8.13%	0.14%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Friday, February 03, 2012. For detailed disclosures click here.