With the exception of auto loans, credit unions and banks arecompeting closely in nearly all loans.

According to rate tracking firm Informa Research Services,credit unions had an average rate of 3.92% on five-year, new autoloans compared to banks at 5.39% as of June 14. With two-year tofour-year, used auto loans, credit unions had an average rate 4.05%and banks' average rate was 5.64%.

Meanwhile, the gaps are not as wide in other loans. On a30-year, fixed conforming mortgage loan, credit unions had anaverage rate of 4.58% with banks close behind at 4.53%. The same was true with 30-year fixed jumbo loans with credit unionsat 5.03% and banks at 5.05%.

The average rate at credit unions on a four-year, $5,000,unsecured personal loan was 10.62% and 10.95% at banks.

Even in indirect lending, credit unions and banks are in closecompetition. The average rate on a five-year indirect tier A autoloan at credit unions was 4.81% and 4.92% at banks. On five-yearindirect tier B auto loans, credit unions had an average rate of6.65% while banks offered a rate of 6.60%. The pattern is also seenon five-year indirect tier C auto loans with credit unions at 8.65%and 8.60% at banks.

Borrowers are considered to have A credit if their score isbetween 680 and 719, B for scores between 650 and 679 an C ifscores fall between 625 and 649, according to Informa.