Averages -Product Disclosures and Assumptions

The rate table above is an independent, advertising-supported comparison service. Informa Research Services, and its partners may be compensated in exchange for including or featuring products. Results may not reflect all of the products available in your region. This information has been obtained from various financial institutions, and Informa cannot guarantee its accuracy.

DISCLOSURES:

The information in the table includes financial product data that was in the Informa database at the time of publication. Before acting on the information shown in the table, contact the financial institution directly to verify the accuracy of the data. Rate/APR terms offered by advertisers may differ from those listed in the table based on the creditworthiness of the borrower and other differences between an individual loan and the loan criteria used for the quotes. The assumptions used to calculate the rates in the table are stated below.

ASSUMPTIONS:

Mortgage

Fixed Rate/Adjustable Rate Conforming - APR's are based on a $200,000 loan for a purchase transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio, total points ranging from zero to one point options and rate lock ranging from 30 to 60 days. Rates are valid for an applicant with a 740 FICO score. Rates are subject to change without notice. Quotes are for "no cash-out" loans. All quotes are for products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization

Fixed Rate/Adjustable Rate Jumbo - APR's are based on a $450,000 loan for a purchase transaction of an owner occupied, single-family residence with an 80% loan-to-value ratio, total points ranging from zero to one point options and rate lock ranging from 30 to 60 days. Rates are valid for an applicant with a 740 FICO score. Rates are subject to change without notice. Quotes are for "no cash-out" loans. All quotes are for products or loans that can be sold on the secondary market with no prepayment penalties nor negative amortization

Home Equity

Home Equity Loans - Rates are based on a fixed rate home equity loan for an owner occupied residence, second lien, 15 year or 10 year repayment terms with an 80% loan-to-value ratio with a maximum loan amount of $250,000.

Home Equity Line of Credit - Rates are based on a variable rate, second lien revolving home equity line of credit for an owner occupied residence with an 80% loan-to-value ratio with a maximum line of credit of $250,000.

Auto Loans

New Auto - 3 Year, 4 year and 5 Years: Average rates are based on a $25,000 loan for new vehicle purchases, with a 3-year, 4-year and 5-year repayment term.

Used Auto - 2 year old: Average rates are based on a $15,000 loan for two year old used vehicle purchases, with a 4 year repayment

Deposit and Retirement

CD Rates: Average APYs are based on certificate of deposit accounts for $10,000 for all paid advertisers.

Checking: Average APYs are based on unlimited check writing accounts for $1,000 for all paid advertisers.

Money Market: Average APYs are based on money market accounts for $2,500, $10,000, $25,000$ or $50,000 for all paid advertisers.

Credit Card Averages:

1. Balance Transfer Card Average - Average APR includes all nationally available personal credit card offers in Informa’s database with a promotional Balance Transfer rate. Rates and conditions are subject to change at any time.

2. Cash Back Card Average - Average APR includes all nationally available personal credit card offers in Informa’s database with a Cash Back feature. Average APR excludes introductory or “teaser” rates. Rates and conditions are subject to change at any time.

3. Poor-Credit Card Average – Average APR includes all nationally available personal, poor-credit, card offers in Informa’s database. Average APR excludes introductory or “teaser” rates. Rates and conditions are subject to change at any time.

4. Frequent Flyer Card Average – Average APR includes all nationally available personal credit card offers in Informa’s database with a Frequent Flyer feature. Average APR excludes introductory or “teaser” rates. Rates and conditions are subject to change at any time.

5. Introductory Purchase Card Average - Average APR includes all nationally available personal credit card offers in Informa’s database with an Introductory Purchase rate. Rates and conditions are subject to change at any time.

6. No Annual Fee Card Average - Average APR includes all nationally available personal credit card offers in Informa’s database with No Annual Fee. Average APR excludes introductory or “teaser” rates. Rates and conditions are subject to change at any time.

8. Reward Card Average - Average APR includes all nationally available personal credit card offers in Informa’s database with a Reward feature. Average APR excludes introductory or “teaser” rates. Rates and conditions are subject to change at any time.

9. Secured Card Average – Average APR includes all nationally available personal credit card offers in Informa’s database with a Secured feature. Average APR excludes introductory or “teaser” rates. Rates and conditions are subject to change at any time.

10. Small Business Card Average – Average APR includes all nationally available Small Business credit card offers in Informa’s database. Average APR excludes introductory or “teaser” rates. Rates and conditions are subject to change at any time.

11. Student Card Average - Average APR includes all nationally available Student credit card offers in Informa’s database. Average APR excludes introductory or “teaser” rates. Rates and conditions are subject to change at any time.