Deposit Products	Credit Unions	Bank Average	Difference
12 Month CD $10,000	0.43%	0.29%	0.14%
Personal Savings $1,000	0.21%	0.12%	0.09%
Personal Interest Checking $2,500	0.33%	0.15%	0.18%
NSF Fee	$27.39	$30.36	$-2.97
Personal MMDA $2,500	0.18%	0.10%	0.08%
Business MMDA $2,500	0.18%	0.10%	0.08%
Consumer Loan Products	Credit Unions	Bank Average	Difference
Unsecured Personal Loan - $5,000 - 4 Years	10.48%	10.11%	0.37%
New Auto Loan - 5 Years	2.72%	3.93%	-1.21%
Used Auto Loan - 2 year Old - 4 Years	2.88%	4.15%	-1.27%
HELOC - 80% LTV - $50,000	4.29%	4.46%	-0.17%
HE Loan - 80% LTV - $50,000 - 15 Years	5.81%	5.98%	-0.17%
Mortgage Loan Products	Credit Unions	Bank Average	Difference
30 Year Fixed Conforming	4.03%	3.99%	0.04%
30 Year Fixed Jumbo	4.20%	4.09%	0.11%
5/1 Year ARM Conforming	2.87%	2.88%	-0.01%
Credit Card Products	Credit Unions	Bank Average	Difference
Platinum	9.23%	11.35%	-2.12%
Annual Fee	$27.80	$48.22	$-20.42
Maximum Late Fee	$25.13	$33.43	$-8.30
Reward	9.68%	12.52%	-2.84%
Annual Fee	$26.60	$97.00	$-70.40
Maximum Late Fee	$21.92	$33.18	$-11.26
Indirect Auto Loan Products	Credit Unions	Bank Average	Difference
Indirect A Tier New Auto Loan - 5 Years	3.69%	3.71%	-0.02%
Indirect B Tier New Auto Loan - 5 Years	5.50%	5.36%	0.14%
Indirect C Tier New Auto Loan - 5 Years	7.66%	6.89%	0.78%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Monday, June 17, 2013. For detailed disclosures click here.