Deposit Products	Credit Unions	Bank Average	Difference
12 Month CD $10,000	0.43%	0.29%	0.14%
Personal Savings $1,000	0.22%	0.12%	0.10%
Personal Interest Checking $2,500	0.33%	0.16%	0.17%
NSF Fee	$27.33	$30.34	$-3.01
Personal MMDA $2,500	0.18%	0.11%	0.07%
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	10.47%	10.17%	0.30%
New Auto Loan - 5 Years	2.74%	3.96%	-1.22%
Used Auto Loan - 2 year Old - 4 Years	2.96%	4.16%	-1.20%
HELOC - 80% LTV - $50,000	4.31%	4.52%	-0.21%
HE Loan - 80% LTV - $50,000 - 15 Years	5.82%	6.06%	-0.24%
Mortgage Loan Products	Credit Unions	Bank Average	Difference
30 Year Fixed Conforming	3.63%	3.62%	0.01%
30 Year Fixed Jumbo	3.90%	3.79%	0.11%
5/1 Year ARM Conforming	2.82%	2.83%	-0.01%
Credit Card Products	Credit Unions	Bank Average	Difference
Platinum	9.31%	11.01%	-1.70%
Annual Fee	$27.80	$33.71	$-5.91
Maximum Late Fee	$25.22	$33.38	$-8.16
Reward	9.75%	12.52%	-2.77%
Annual Fee	$25.82	$97.00	$-71.18
Maximum Late Fee	$22.17	$33.18	$-11.01
Indirect Auto Loan Products	Credit Unions	Bank Average	Difference
Indirect A Tier New Auto Loan - 5 Years	3.72%	3.72%	0.00%
Indirect B Tier New Auto Loan - 5 Years	5.52%	5.39%	0.13%
Indirect C Tier New Auto Loan - 5 Years	7.74%	6.98%	0.76%

Averages displayed are straight averages of all institutions within the Informa Research Services database for the selected region as of Sunday, May 19, 2013. For detailed disclosures click here.