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<h3>What are Datatrac Great Rate Awards?</h3>
<p>Datatrac Great Rate Awards certify that deposit and loan rates offered by financial institutions outperform the market average for comparable products and terms.<sup>1</sup></p>
<h3>Who is Datatrac?</h3>
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<p>Datatrac is an independent, unbiased research firm that specializes in compiling banking industry data and analyzing performance of deposit and loan products. Datatrac maintains America's largest database of interest rate data available to consumers with<span> over 1 billion cu</span>rrent and historical rates for<span> over 100,000 </span>banking locations across North America.</p>
<p>During our 35+ years we have served thousands of financial institution clients including the largest and smallest banking and credit unions, the Government Accountability Office (GAO) and the Federal Bureau of Investigation (FBI). Our data and analysis has been included in reports prepared for the Federal Reserve, the Senate and the House of Representatives. We have been cited in the Wall Street Journal, Washington Post, Kiplinger Magazine and numerous other organizations.</p>
<h3>Where does Datatrac get its research?</h3>
<p>Datatrac has privately collected information on financial institutions for over three decades. Research is conducted manually by daily phone interviews with banking staff and by reviewing web site material, brochures and rate sheets published by financial institutions. Datatrac also conducts independent, unbiased research in partnership with S&P Global Market Intelligence and uses information published by third parties such as the Federal Deposit Insurance Corporation (FDIC), National Credit Union Administration (NCUA) and the US Census Bureau.</p>
<h2><img src="https://www.datatrac.net/images/alliant.jpg" width="247" height="240" alt="Alliant Credit Union" loading="lazy" style="float: right; margin-left: 10px; margin-right: 0px;"></h2>
<h3>Who can win a Datatrac Great Rate Award?</h3>
<p>Only financial institutions offering deposit and loan products are eligible to earn Datatrac Great Rate Awards.</p>
<h3>What products can earn Datatrac's Great Rate Awards?</h3>
<p>Most retail deposit and loan products are eligible to earn Datatrac Great Rate Awards, including money markets, savings accounts, certificates of deposit, mortgages, auto loans, boat loans, motorcycle loans, personal loans, credit cards and many other deposit and loan products. </p>
<h3>Where are Datatrac Great Rate Awards available?</h3>
<p>Nearly every city and county in the United States is included in Datatrac's analysis. Actual geography covered is based upon data from<span> </span>financial institution locations as updated in Datatrac's databases.</p>
<h3>How are Datatrac Great Rate Awards computed?</h3>
<h2><img src="https://www.datatrac.net/images/general-federal-credit-union.png" width="243" height="191" alt="Alliant Credit Union" loading="lazy" style="float: right; margin: 0px 25px 0px 20px;"></h2>
<p>Datatrac compares rates, fees and specials for deposit and loan products where product terms and requirements are materially similar. A Datatrac Great Rate Award is granted if a financial institution's deposit or loan rate outperforms the market average for comparable terms. The following three criteria are used in determining Datatrac Great Rate Awards:</p>
<p><strong>Market:</strong><span> </span>Institutions included in the analysis must be within a defined metropolitan area, county, zip code or other geographical specification such as within a certain mile radius from the compared institution.</p>
<p><strong>Products:<span> </span></strong>Only products with similar specifications are compared to each other. For example, a money market which is limited to three checks per month is compared to other products with the same requirement; a one year adjustable rate mortgage with zero points is compared to other mortgages with the same requirements.</p>
<p><strong>Time:</strong><span> </span>Real time certifications are compared daily with the most current data available; Historical certification are compared as of the close of each week for the period stated (e.g. "12 months ending December 31, 2012" or "5 years from 2006-2012.")</p>
<h2><img src="https://www.datatrac.net/images/GRAs-both.png" loading="lazy" width="270" height="112" style="float: right; margin: 0px 18px 0px 10px;"></h2>
<h3>How often are Datatrac Great Rate Awards updated?</h3>
<p>Datatrac Silver Great Rate Awards certify real-time performance which is updated every business day; Datatrac Gold Great Rate Awards certify historical performance evaluated for the time period specified.</p>
<p> </p>
<p>1) Datatrac Great Rate Awards are a registered certification mark, <a href="https://tsdr.uspto.gov/#caseNumber=77280255&caseSearchType=US_APPLICATION&caseType=DEFAULT&searchType=statusSearch" rel="noopener" target="_blank">USPTO #77280255</a>. </p>
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