Rate Trends Y2Y, Y2D and M2M
This entry was posted on 6/20/2008 11:12 AM and is filed under Management.
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Changes |
| Liquid
Accounts |
from June 21, 2007 |
from December 21, 2007 |
from May 21, 2008 |
| Interest
Checking $2,500 |
-20.59% |
-20.37% |
3.85% |
| Premium
Interest Checking $10K |
-29.17% |
-32.35% |
3.03% |
| Regular
Savings $1K |
-25.97% |
-29.82% |
-1.72% |
| Money
Market $10K |
-41.52% |
-59.54% |
-1.50% |
| High
Liquid Money Market $25K |
-43.94% |
-64.81% |
-1.22% |
| High
Liquid Money Market $50K |
-42.99% |
-62.30% |
-0.54% |
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| Term
Accounts |
|
|
|
| 3 Month
CD $25K |
-40.25% |
-60.62% |
0.00% |
| 6 Month
CD $25K |
-42.89% |
-64.00% |
0.45% |
| 1 Year
CD $25K |
-42.06% |
-59.27% |
2.06% |
| 2 Year
CD $25K |
-36.74% |
-45.96% |
3.03% |
| 5 Year
CD $25K |
-26.55% |
-26.51% |
3.75% |
| 1 Year
Jumbo CD |
-41.78% |
-58.04% |
2.41% |
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| Average
Checking Fees & Service Charges at Nat'l Banks |
|
|
|
| Flat Fee
Checking — Monthly Fee |
-2.99% |
0.51% |
2.28% |
| NSF Fee |
0.89% |
0.77% |
0.18% |
| ATM
Surcharge Fee |
10.86% |
5.15% |
0.00% |
| Stop
Payment Fee |
3.22% |
1.79% |
0.04% |
| Bill Pay
Monthly Fee |
6.06% |
5.71% |
6.06% |
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| Direct
Auto Loans |
|
|
|
| New - 3
yr term, $20K |
-8.43% |
-7.26% |
0.18% |
| New - 4
yr term, $25K |
-8.27% |
-6.82% |
0.30% |
| New - 5
yr term, $30K |
-8.01% |
-6.50% |
0.26% |
| Used - 1
yr old, 5 yr term, $30K |
-7.04% |
-6.85% |
0.17% |
| Used - 2
yr old, 4 yr term, $20K |
-7.95% |
-7.91% |
-0.30% |
| Used - 3
yr old, 3 yr term, $20K |
-8.28% |
-8.51% |
-0.45% |
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| Conventional
First Mortgage |
|
|
|
| 15 Year
Fixed Conforming |
-4.42% |
3.31% |
7.36% |
| 30 Year
Fixed Conforming |
-2.76% |
3.80% |
6.75% |
| 15 Year
Fixed Jumbo |
8.72% |
7.59% |
5.23% |
| 30 Year
Fixed Jumbo |
10.17% |
8.61% |
4.77% |
| 3 Year
Adjustable Conforming |
-23.81% |
-19.74% |
8.83% |
| 5 Year
Adjustable Conforming |
-21.60% |
-16.65% |
9.19% |
| 7 Year
Adjustable Conforming |
-18.82% |
-13.53% |
8.68% |
