ALEXANDRIA, Va. — NCUA has started posting different savings andloan rates from credit unions, banks and banks which have convertedtheir charters from credit unions.

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The data, which is presented quarterly, is compiled by DATATRAC,Inc. for the agency. It includes average rates for 23 differentsavings and loan products which is drawn from all banks and creditunions nationwide and 26 of the banks around the country which usedto be credit unions, had a credit union merge into them or acquireda bank that had converted from or merged with a credit union.

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CU Financial Services, a noted consultant firm which advisescredit unions through the charter change process, lists 33 creditunions in the country which either merged with banks or convertedto bank charters outright.

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According to the first quarter data presented, credit unions onaverage paid higher rates on savings than former CUs and former CUspaid higher savings rates than banks on average. On loan rates,former CUs charged less interest than banks, on average, but morethan CUs on average.

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