BORROWING: Low loan rates around the U.S - Brief Article

Kiplinger's Personal Finance Magazine, Oct, 2000

                                          RATE/DESCRIPTION
New York             LENDER               (INDEX PLUS MARGIN)

Fixed-rate 30-year   HSBC Bank            7.75%/2 pts.

One-year ARM         Bank of New York     7.13%/2.5 pts.
                                          (Treasury index +
                                          2.75)

Home-equity line     Dime Savings         7.25%/3 mos., $10,000
                                          minimum (prime + 2.15)

Car loan             Dime Savings         8.15%

Atlanta

Fixed-rate 30-year   Fidelity National    7.5%/2.5 pts.

One-year ARM         BB&T                 6.88%/1 pt.
                                          (Treasury index +
                                          2.75)

Home-equity line     Regions Bank         8%/6 mos., $10,000
                                          minimum (prime + 1)

Car loan             Tucker Federal       7.95%/$100 fee

Chicago

Fixed-rate 30-year   St Paul Federal      8%/0 pts.

One-year ARM         Bank One             7.35%/1 pt.
                                          (Treasury index +
                                          2.75)

Home-equity line     St Paul Federal      4.99%/6 mos., $5,000
                                          minimum (prime + 0.75)

Car loan             Liberty Federal      8.85%

Phoenix

Fixed-rate 30-year   Bank One/Arizona     8.05%/1 pt.

One-year ARM         National Bank of     7%/1 pt.
                     Arizona              (Treasury index +
                                          2.75)

Home-equity line     Fifth Third Bank     7.53%/5 mos., $5,000
                                          minimum (prime)

Car loan             Fifth Third Bank     9.25%/$125 fee

Los Angeles

Fixed-rate 30-year   California Federal   7.38%/3.33 pts.

One-year ARM         California Federal   6.25%/1.41 pts.
                                          (Treasury index + 2.5)

Home-equity line     Washington Mutual    5.99%/6 mos., $10,000
                                          minimum (prime + 0.74)

Car loan             Sanwa Bank/          8.5%/$75 fee
                     California

                                           TELEPHONE
New York             LENDER                  NUMBER

Fixed-rate 30-year   HSBC Bank            800-975-4722

One-year ARM         Bank of New York     800-225-5269

Home-equity line     Dime Savings         800-843-3463

Car loan             Dime Savings         800-843-3463

Atlanta

Fixed-rate 30-year   Fidelity National    770-448-0554

One-year ARM         BB&T                 770-253-5017

Home-equity line     Regions Bank         404-255-8550

Car loan             Tucker Federal       770-908-6400

Chicago

Fixed-rate 30-year   St Paul Federal      800-321-2265

One-year ARM         Bank One             888-963-4000

Home-equity line     St. Paul Federal     800-321-2265

Car loan             Liberty Federal      630-323-1776

Phoenix

Fixed-rate 30-year   Bank One/Arizona     602-221-2900

One-year ARM         National Bank of     800-655-7622
                     Arizona

Home-equity line     Fifth Third Bank     480-951-7500

Car loan             Fifth Third Bank     480-951-7500

Los Angeles

Fixed-rate 30-year   California Federal   800-225-3334

One-year ARM         California Federal   800-225-3334

Home-equity line     Washington Mutual    800-788-7000

Car loan             Sanwa Bank/          800-237-2692
                     California

RATE BENCHMARKS (as of August 2): PRIME: 9.5% 11TH DISTRICT COST OF FUNDS INDEX: 5.36% ONE-YEAR TREASURY INDEX: 6.06% Survey was conducted August 3. Mortgages are limited to a maximum amount of $252,700. 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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