Credit Union and Bank Rates 2003-2005

Comparison of Historical Rates: Credit Unions, Savings Banks, and Other Banks

(Comparison of average credit union, savings bank, and other bank rates at year-end)

Data compiled by Datatrac, Inc.
Contact: Ken Wanek at 1-800-257-7101

36 month Used Auto Loan, 2 Year-Old Auto

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	4.94	4.95	5.62
Savings Banks	7.05	6.96	7.49
Other Banks	7.78	7.09	7.78

48 month Used Auto Loan, 2 Year-Old Auto

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	5.05	5.07	5.72
Savings Banks	7.05	6.92	7.51
Other Banks	7.21	7.14	7.81

48 Month New Auto Loan

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	4.72	4.76	5.44
Savings Banks	6.52	6.37	6.93
Other Banks	6.49	6.43	7.12

60-month New Auto Loan

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	4.84	4.88	5.57
Savings Banks	6.61	6.44	7.04
Other Banks	6.56	6.51	7.21

36 Month Unsecured Loan, Fixed Rate

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	11.10	10.82	10.97
Savings Banks	12.27	12.37	12.41
Other Banks	12.02	12.04	12.50

1 Year Adjustable Rate Mortgage

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	3.72	4.06	4.92
Savings Banks	4.00	4.23	5.30
Other Banks	4.04	4.49	5.68

15 Year Fixed Rate Mortgage

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	5.31	5.32	5.98
Savings Banks	5.23	5.24	5.92
Other Banks	5.32	5.25	5.98

3 Year Adjustable Rate Mortgage

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	4.34	4.59	5.55
Savings Banks	4.40	4.70	5.66
Other Banks	4.46	4.88	5.95

30 Year Fixed Rate Mortgage

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	5.92	5.82	6.38
Savings Banks	5.93	5.81	6.39
Other Banks	5.95	5.79	6.39

5 Year Adjustable Rate Mortgage

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	4.96	5.06	5.82
Savings Banks	4.97	5.07	5.83
Other Banks	5.04	5.19	6.09

Credit Card (Classic)

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	12.18	11.97	12.06
Savings Banks	11.92	11.60	13.27
Other Banks	12.33	12.39	14.13

Credit Card (Gold)

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	10.40	10.25	10.26
Savings Banks	10.75	10.51	10.86
Other Banks	10.49	10.83	11.13

3 Month Certificate of Deposit (Share Certificate), $10,000 Minimum

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	1.13	1.48	2.59
Savings Banks	0.94	1.34	2.31
Other Banks	0.87	1.29	2.29

6 Month Certificate of Deposit (Share Certificate), $10,000 Minimum

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	1.35	1.79	3.13
Savings Banks	1.11	1.65	2.88
Other Banks	1.04	1.63	2.83

1 Year Certificate of Deposit (Share Certificate), $10,000 Minimum

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	1.62	2.22	3.62
Savings Banks	1.35	2.05	3.37
Other Banks	1.27	2.03	3.34

2 Year Certificate of Deposit (Share Certificate), $10,000 Minimum

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	2.11	2.79	3.93
Savings Banks	1.88	2.63	3.64
Other Banks	1.80	2.55	3.59

3 Year Certificate of Deposit (Share Certificate), $10,000 Minimum

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	2.60	3.28	4.14
Savings Banks	2.42	3.04	3.83
Other Banks	2.30	2.97	3.79

4 Year Certificate of Deposit (Share Certificate), $10,000 Minimum

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	2.98	3.66	4.33
Savings Banks	2.74	3.32	3.94
Other Banks	2.64	3.27	3.91

5 Year Certificate of Deposit (Share Certificate), $10,000 Minimum

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	3.43	4.07	4.58
Savings Banks	3.22	3.73	4.20
Other Banks	3.08	3.61	4.13

Interest Checking Account (Dividend Checking)

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	0.48	0.48	0.51
Savings Banks	0.44	0.42	0.49
Other Banks	0.32	0.34	0.45

Money Market Account

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	0.97	1.01	1.44
Savings Banks	0.65	0.70	0.99
Other Banks	0.51	0.57	0.85

Regular Savings Account, $10,000 minimum

Type of Institution	Rates at Year-end 2003	Rates at Year-end 2004	Rates at Year-end 2005
Credit Unions	0.56	0.55	0.67
Savings Banks	0.60	0.60	0.67
Other Banks	0.49	0.36	0.49