The SNL RateWatch Depository Rates & Fees dataset provides a comprehensive view of banking product offerings by leveraging robust interest rate and fee data from RateWatch and SNL Financial. It covers all banks, thrifts, and credit unions with more than $1B in total assets and 75% of all remaining institutions regardless of size.

Firms can use this dataset for market analysis and peer benchmarking by comparing rates across market and regions. It supports strategic pricing decisions by helping product managers identify trends in product offerings. Additionally, firms can perform Net Interest Margin (NIM) analysis by combining deposit and lending rates with balance sheet data. The dataset also helps in assessing the impact of Federal Reserve monetary policy on product rates, including the lagged impact of monetary policy changes.

This dataset includes:

• Over 10,000 banking products tracked at regional and branch levels, covering Time Deposits, Auto Loans, Home Equity, and Mortgages across Savings, Consumer, Fees, Mortgage, Jumbo, Credit Card, and Business categories.
• Aggregated interest rates, Annual Percentage Yield (APY), and Annual Percentage Rates (APR) across State, County, Federal Market, Metropolitan Statistical Area, and Country (U.S.) levels, enabling efficient market-level analysis.