Low Loan Rates Around The U.S - banks and interest rates - Illustration

Kiplinger's Personal Finance Magazine, April, 1999

Baltimore             LENDER

Fixed-rate 30-year    NationsBank
One-year ARM          Crestar
Home-equity line      Provident Bank of Maryland
Car loan              Susquehanna

New Orleans

Fixed-rate 30-year    Iberiabank
One-year ARM          Hibernia National
Home-equity line      Hibernia National
Car loan              Regions

Minneapolis

Fixed-rate 30-year    Midway National of St. Paul
One-year ARM          Firstar Bank of Minnesota
Home-equity line      Firstar Bank of Minnesota
Car loan              Midway National of St. Paul

Houston

Fixed-rate 30-year    NationsBank
One-year ARM          NationsBank
Home-equity loan(*)   First Prosperity
Car loan              Coastal

San Francisco

Fixed-rate 30-year    California Federal
One-year ARM          California Federal
Home-equity line      California Federal
Car loan              Washington Mutual

Baltimore             RATE/DESCRIPTION (INDEX PLUS MARGIN)

Fixed-rate 30-year    6.38%/2 pts.
One-year ARM          4.5%/2 pts. (Treasury index + 2.88)
Home-equity line      4.9%/6 mos. (prime + 1.5) for four years
Car loan              7.24%

New Orleans

Fixed-rate 30-year    6.25%/1 pt.
One-year ARM          4.88%/1 pt. (Treasury index + 2.75)
Home-equity line      7.75%/$10,000 minimum (prime), $200 orig. fee
Car loan              7.5%/$35 fee

Minneapolis

Fixed-rate 30-year    6.63%/1 pt.
One-year ARM          5.25%/1 pt. (Treasury index + 2.75)
Home-equity line      5.99%/6 mos., $10,000 min. (prime +1) for
                       five years
Car loan              7.85%

Houston

Fixed-rate 30-year    6.25%/3 pts.
One-year ARM          4.5%/3.25 pts. (Treasury index + 2.88)
Home-equity loan(*)   7.49%/$20,000 minimum for five years
Car loan              8.25%

San Francisco

Fixed-rate 30-year    6.25%/2.83 pts.
One-year ARM          5.38%/0.75 pt. (Treasury index + 2.75)
Home-equity line      5.75%/6 mos., $10,000-$300,000 (prime + 1.25)
Car loan              8.13%/$60 fee

Baltimore             NUMBER

Fixed-rate 30-year    800-235-8844
One-year ARM          410-986-1500
Home-equity line      800-726-5363
Car loan              800-787-4321

New Orleans

Fixed-rate 30-year    504-368-1011
One-year ARM          504-533-5429
Home-equity line      800-996-8690
Car loan              504-767-9300

Minneapolis

Fixed-rate 30-year    612-643-8416
One-year ARM          800-784-9777
Home-equity line      800-784-9777
Car loan              612-643-8416

Houston

Fixed-rate 30-year    800-247-6262
One-year ARM          800-247-6262
Home-equity loan(*)   713-665-5200
Car loan              713-435-5000

San Francisco

Fixed-rate 30-year    800-225-3334
One-year ARM          800-225-3334
Home-equity line      800-225-3334
Car loan              800-788-7000

RATE BENCHMARKS (as of Feb. 5): PRIME: 7.75% 11TH DISTRICT COST OF FUNDS INDEX: 4.65% ONE-YEAR TREASURY INDEX: 4.51%

(*) Home-equity credit lines are not available in Texas. Survey was conducted February 5. 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, check www.kiplinger.com; click on "Yields & Rates."

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