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

Kiplinger's Personal Finance Magazine, Nov, 2000

Boston              LENDER                  RATE /DESCRIPTION (INDEX
                                            PLUS MARGIN)
Fixed-rate          Middlesex Savings       7.5%/2 pts.
30-year

One-year ARM        Cambridge Savings       6.38%/2 pts.
                                            (Treasury index + 2.75)
Home-equity line    Rockland Trust          4.75%/4 mos., $10,000
                                            minimum (prime)
Car loan            Cambridge Savings       8.75%

Charlotte
Fixed-rate          Central Carolina        7.75%/1 pt.
30-year

One-year ARM        Wachovia                7.13%/1 pt.
                                            (Treasury index + 2.75)
Home-equity line    First Union             10.25%/$8,000 minimum,
                                            $35 fee
Car loan            Gaston Federal          8.75%/$50 fee

St. Louis
Fixed-rate          Firstar Bank            7.88%/1 pt.
30-year

One-year ARM        Heartland Bank          7.25%/0 pts.
                                            (Treasury index + 2.75)
Home-equity line    Firstar Bank            7.5%/6 mos., $10,000
                                            minimum(prime)
Car loan            Jefferson Heritage      8.25%

Denver
Fixed-rate          U.S. Bank               7.63%/1.38 pts.
30-year

One-year ARM        FirstBank               7%/1 pt.
                                            (Treasury index + 2.75)
Home-equity line    FirstBank               7.49%/6 mos., $5,000
                                            minimum(prime + 2)
Car loan            Vectra Bank/Colorado    8.75%/$50 fee

Seattle
Fixed-rate          HomeStreet Bank         7.380/2.25 pts.
30-year

One-year ARM        Frontier Bank           7%/1.5 pts.
                                            (Treasury index + 2.75)
Home-equity line    First Mutual Bank       5.99%/3 mos., $5,000
                                            minimum (prime + 0.75)
Car loan            Washington Mutual       8.25%/1% fee

                    TELEPHONE
Boston              NUMBER

Fixed-rate          508-653-0300
30-year

One year ARM        888-418-5626

Home-equity line    781-878-6100

Car loan            888-418-5626

Charlotte
Fixed-rate          704-347-6089
30-year

One-year ARM        704-378-5141

Home-equity line    800-275-3862

Car loan            704-868-5200

St. Louis
Fixed-rate          800-347-7827
30-year

One-year ARM        800-489-2660

Home-equity line    800-347-7827

Car loan            636-227-3000

Denver
Fixed-rate          303-585-5000
30-year

One-year ARM        303-238-9000

Home-equity line    303-238-9000

Car loan            303-758-6000

Seattle
Fixed-rate          800-654-1075
30-year

One-year ARM        425-514-0731

Home-equity line    425-455-7300

Car loan            800-756-8000

RATE BENCHMARKS (as of Sept. 5): PRIME: 9.5% 11TH DISTRICT COST OF FUNDS INDEX:6.3% ONE-YEAR TREASURY INDEX: 6.23% Survey was conducted September 5. Mortages 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 and Rates."

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