Low Loan Rates Around The U.S - Brief Article - Statistical Data Included

Kiplinger's Personal Finance Magazine, Oct, 1999

Pittsburg            LENDER

Fixed-rate 30-year   Great American
One-year ARM         Bell Federal Savings/Bellevue
Home-equity line     Parkvale Savings
Car loan             Three Rivers Bank & Trust

Tampa

Fixed-rate 30-year   First Union
One-year ARM         NationsBank
Home-equity line     First Union
Car loan             SouthTrust

Omaha

Fixed-rate 30-year   U.S. Bank
One-year ARM         First National Bank of Omaha
Home-equity line     First National Bank of Omaha
Car loan             First National Bank of Omaha

Las Vegas

Fixed-rate 30-year   California Federal
One-year ARM         First Arizona
Home-equity line     California Federal
Car loan             First Arizona

San Diego

Fixed-rate 30-year   California Federal
One-year ARM         Union Bank
Home-equity line     California Federal
Car loan             Downey Savings & Loan

Pittsburg            RATE/DESCRIPTION (INDEX PLUS MARGIN)

Fixed-rate 30-year   7.75%/0 pts.
One-year ARM         5.25%/0 pts. (Treasury index + 2.75)
Home-equity line     6.15%/$5,000 minimum (prime + 1.5)
Car loan             7.49%

Tampa

Fixed-rate 30-year   8%/1.13 pts.
One-year ARM         6.25%/0 pts. (Treasury index + 2.75)
Home-equity line     8%/one year, $5,000 minimum (prime + 1.5)
Car loan             8.5%/$100 fee

Omaha

Fixed-rate 30-year   7.88%/0.75 pt.
One-year ARM         5%/0.5 pt. (Treasury index + 2.75)
Home-equity line     5.99%/6 mos., $1,000 minimum (prime)
Car loan             7.7%

Las Vegas

Fixed-rate 30-year   7.38%/3.07 pts.
One-year ARM         5.75%/0 pts. (Treasury index + 2.75)
Home-equity line     5.75%/6 mos., $10,000 minimum (prime + 1.25)
Car loan             8.5%

San Diego

Fixed-rate 30-year   7.38%/3.07 pts.
One-year ARM         6%/1 pt. (Treasury index + 2.75)
Home-equity line     5.75%/6 mos., $10,000 minimum (prime + 1.25)
Car loan             7.49%

                      TELEPHONE
Pittsburg               NUMBER

Fixed-rate 30-year   800-366-2224
One-year ARM         412-734-2700
Home-equity line     800-422-3322
Car loan             800-403-2265

Tampa

Fixed-rate 30-year   800-735-1012
One-year ARM         800-229-2265
Home-equity line     800-435-1012
Car loan             800-225-5782

Omaha
                     800-872-2657
Fixed-rate 30-year   800-642-0014
One-year ARM         800-642-0014
Home-equity line     800-642-0014
Car loan

Las Vegas

Fixed-rate 30-year   800-225-3334
One-year ARM         602-481-8500
Home-equity line     800-225-3334
Car loan             602-481-8500

San Diego

Fixed-rate 30-year   800-225-3334
One-year ARM         800-796-5656
Home-equity line     800-225-3334
Car loan             800-936-9639

RATE BENCHMARKS (as of August 4): PRIME: 8% 11TH DISTRICT COST OF FUNDS INDEX: 4.5% ONE-YEAR TREASURY INDEX: 5.07%

Survey was conducted August 4. Mortgages are limited to a maximum amount of $240,000. Car-loan rates are for 48-month new-car loans of $16,000 with 20% down. For more cities and updated rates, check www.kiplinger.com; click on "Yields & Rates."

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