National Rate Trends Over Last 12 Months, 6 Months, and YTD

 

 

 

 

 

Changes

Liquid Accounts

from February 20, 2008

from
August 20,
2008

from December 19, 2008

Interest Checking $2,500

-20.69%

-17.86%

-14.81%

Premium Interest Checking $10K

-28.57%

-21.43%

-16.67%

Regular Savings $1K

-31.34%

-19.30%

-14.81%

Money Market $10K

-45.29%

-30.08%

-19.83%

High Liquid Money Market $25K

-46.05%

-29.27%

-19.44%

High Liquid Money Market $50K

-44.81%

-28.11%

-19.39%

 

 

 

 

Term Accounts

 

 

 

3 Month CD $25K

-52.63%

-40.31%

-30.77%

6 Month CD $25K

-46.34%

-33.91%

-26.67%

1 Year CD $25K

-37.33%

-29.06%

-22.95%

2 Year CD $25K

-29.87%

-26.03%

-20.00%

5 Year CD $25K

-17.89%

-21.35%

-15.66%

1 Year Jumbo CD

-36.93%

-29.04%

-22.49%

 

 

 

 

Average Checking Fees & Service Charges at Nat'l Banks

 

 

 

Flat Fee Checking — Monthly Fee

-0.87%

-1.04%

0.35%

NSF Fee

3.13%

0.32%

-0.62%

ATM Surcharge Fee

7.98%

2.53%

1.50%

Stop Payment Fee

1.41%

0.18%

0.29%

Bill Pay Monthly Fee

18.18%

12.14%

0.00%

 

 

 

 

Direct Auto Loans

 

 

 

New - 3 yr term, $20K

-5.91%

-1.40%

-0.94%

New - 4 yr term, $25K

-5.36%

-3.01%

-1.45%

New - 5 yr term, $30K

-5.27%

-1.78%

-1.65%

Used - 1 yr old, 5 yr term, $30K

-4.09%

-1.15%

-1.05%

Used - 2 yr old, 4 yr term, $20K

-4.88%

-1.26%

-1.06%

Used - 3 yr old, 3 yr term, $20K

-5.52%

-1.07%

-1.53%

 

 

 

 

Conventional First Mortgage

 

 

 

15 Year Fixed Conforming

-10.63%

-18.95%

-3.08%

30 Year Fixed Conforming

-12.87%

-20.14%

-1.00%

15 Year Fixed Jumbo

1.15%

-10.56%

-5.49%

30 Year Fixed Jumbo

0.39%

-8.84%

-3.51%

3 Year Adjustable Conforming

-17.68%

-22.64%

-0.07%

5 Year Adjustable Conforming

-15.50%

-21.22%

-1.58%

7 Year Adjustable Conforming

-13.03%

-20.01%

-2.32%

 

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