Low Interest Rate Loans at Tee Pak Credit Union

Tee Pak Credit Union, we do not charge loan processing/application fees.�

We have been serving the community for 65 years�

Did you know you can use these atm's at no charge to you????

1st...

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Website: http://www.teepakcu.com

Related topics : union credit loan / no credit loan / loan application process / interest rates loan / low rate loans

Home Equity Loans - United Consumers Credit Union

Loans Vehicle Loans Home Equity Loans Mortgage Loans Personal Loans Credit Cards First Time Loans & Credit Loan Protection Financial Calculators Loan Rates Credit Card Rates Apply for a Loan Online

Home Equity Loans

A Home Equity Loan or Line of Credit from United Consumers Credit Union is the ideal way to use the equity you've built up in your home. Use the money to make home improvements, pay off high-interest credit cards, help out with college tuition, take a dream vacation or cover whatever unexpected...

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Website: http://www.uccumo.com

Related topics : loan calculator home equity line of credit / line of credit home equity loan rates / line of credit home equity loan / home equity loan credit / interest on home equity loans is tax deductible for consumers

Columbia Credit Union Loan Rates

Columbia Credit Union may offer...

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Website: https://www.columbiacu.org

Related topics : union credit loan / rates home loan / home credit loan / credit loan / loan rates best

Credit Union Mortgage Association | Home Page

About Us

Credit Union Mortgage Association

Credit Union Mortgage is a full-service mortgage company, locally owned and headquartered in Fairfax, Virginia, and serving the entire United States. Finding a mortgage is easy with your credit union and its partner, Credit Union Mortgage. Experience the "Credit Union Mortgage Advantage" with reduced paperwork and hassle-free online mortgage...

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Website: http://www.cumortgage.net

Related topics : credit union loan mortgage / union credit loan / credit loan mortgage / mortgage loan rate of interest / mortgage rate home loan

Member Home Loan

Credit Union owned company

Established in 2005 by Credit Unions, Member Home Loan, LLC (MHL) is a full service Credit Union mortgage company and broker.  As a Fannie Mae and Freddie Mac approved seller and servicer, we offer mortgage loan origination, processing, underwriting, closing and funding services for Credit Union Members.  Credit Unions are uniquely positioned to offer mortgage loans and provide members with a trusted source for a quality home loan.  

A home mortgage loan is the largest debt that most Americans will incur during...

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Date: 2017-02-28 08:30:45
Website: http://www.memberhomeloan.com

Related topics : credit union loan mortgage / business loan credit union / union credit loan / home credit loan apply / home credit loan

Credit Union Auto Loan - NAE Federal Credit Union

Credit Union Auto Loans

Transfer Your Auto Loan to NAE and

Get $100!!!*

*Minimum $5,000 loan amount, active checking account with direct deposit needed to qualify. Does not apply to mortgage loans, credit cards, new direct financing or existing NAE loans. Additional terms and conditions apply. Promotion may change or end without notice.

�NAE Federal Credit Union auto loans offer low-rate flexible financing terms to make your buying experience a pleasant one....

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Website: http://www.naefcu.org

Related topics : auto loan rates based on credit score / credit union loan mortgage deposit / credit union loan mortgage / auto credit loan / credit score loan rate

Home Equity Loans | Navy Federal Credit Union

Navy Federal Credit Union...

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Website: https://www.navyfederal.org

Related topics : home equity loan credit / union credit loan / federal loan home / credit equity loan / home credit loan

Home Equity Loan Rates - Aa Credit Union

Format: PDF

File Size: 737 kb

American Airlines Credit Union is an independent member owned co-operative financial institution. Your savings federally insured to at least $250,000 and backed by the full faith and credit ...

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Website: https://www.aacreditunion.org

Related topics : union credit loan / home equity loan credit / credit equity loan / home credit loan / loan credit check

Home - Credit Union.ie - The Irish League of Credit Unions

27 February

Olympic Champions Gary and Paul O'Donovan unveiled as new Credit Union Youth Ambassadors

Olympic silver medallists Gary and Paul O'Donovan have been unveiled as the new Credit Union Youth Ambassadors for the Irish League of Credit Unions. The rowing champions were officially announced as Ambassadors at the ILCU's Youth and Marketing Conference in Athlone on Saturday 25th February.

24...

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Website: http://www.creditunion.ie

Related topics : union credit loan / home credit loan number / loan credit report / home credit loan / credit loan

Credit Union loans - Citizens Advice

This advice applies to England. Change country

Credit Union loans

Further help and information

About credit unions

A credit union is a self-help co-operative whose members pool their savings to provide each other with credit at a low interest rate. To be part of a credit union you have to share a common bond with other members. This is something you all have in common such as:

living or working...

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Website: https://www.citizensadvice.org.uk

Related topics : union credit loan / home credit loan calculator / home credit loan apply / home credit loan / loan to pay credit debt

Loans - Credit Union.ie - The Irish League of Credit Unions

Loans

What is so different about a credit union Loan?

Before taking out a loan of any kind, it's worth taking the time to understand how lending works.

That way you can compare the benefits and be aware of the risks. Here are some of things that make a credit union loan different:

There are no hidden fees or transaction charges.

Credit union interest rates are fair and reasonable and capped by...

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Website: http://www.creditunion.ie

Related topics : union credit loan / no credit loan / credit loan / calculating loan repayments / loan calculator repayment

Deposit & Loan Rates - Idaho Central Credit Union

Additional Services

ABOUT US

Idaho Central is the premier credit union in Idaho and offers 29 full-service locations throughout the Treasure Valley, Magic Valley,...

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Website: https://www.iccu.com

Related topics : union credit loan

Home - HealthShare Credit Union

I love HealthShare Credit Union because of the friendly staff and the convenience of the credit union at my workplace.

Regina, Member since 1989

I love HealthShare Credit Union because of the friendly staff, convenient locations and all of the financial benefits of belonging to a credit union. I chose HealthShare over other credit unions...

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Date: 2017-02-28 08:26:55
Website: http://ghccu.org

Related topics : union credit loan / home equity loan credit / home equity credit / home credit loan / low rate loans no credit check

Credit Union Loan Interest Rates | St. Anne Credit Union

Use Your Credit Union in New Bedford to Plan Summer Vacation

As you sit there in freezing temperatures, watching the snow continue to fall, what could be better than to start thinking about and planning for your summer vacation? You can increase your savings and make plans for a great getaway with the help of your New Bedford Share Savings account and other savings opportunities at...

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Website: http://stannecreditunion.com

Related topics : credit union loan mortgage / union credit loan / used car loan interest rate / loan credit check / mortgage loan rate of interest

Small Business Financing - Community Credit Union ...

Community Credit Union at its Truro or Amherst location.

What will the Credit Union require from me?

Your credit union will require a business plan that shows the viability of your idea. You may be asked to provide information regarding your net worth, credit history and other documents that are normally required when applying for a loan.

Does my past credit history count?

Credit history is an...

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Website: http://www.communitycreditunion.ns.ca

Related topics : business loan credit union / union credit loan / business loan credit requirements / business loan credit check / business loan credit

Agency Secured Loan | Farmers Insurance Federal Credit Union

You're Now Leaving Farmers Insurance Federal Credit Union

Please note that:

You are leaving the Credit Union's website.

You are about to visit a website not operated by the...

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Website: https://figfcu.com

Related topics : union credit loan / secured loan credit

Auto Loans | Seven Seventeen Credit Union in Warren, OH

An auto loan from Seven Seventeen Credit Union can make it easy to get behind the wheel of the vehicle you want!

Auto loan pre-approval

Competitive car loan rates on new, used and classic cars

Car loans available at any Seven Seventeen office or in the showrooms of more than 100 Youngstown, Warren, Kent, Ravenna and Canton, OH area dealerships

Auto Loan Pre-Approval

If you are in the market for a...

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Website: http://www.sscu.net

Related topics : used car loan auto rates / car payment auto loan / used car loan interest rate / car bank loan interest rate / car loan auto calculator

Home Improvement Loans - Credit Union.ie - The Irish ...

Your Home Improvement Loan - Your Way

Whether you're looking for THE 'Where does this screw go again' DIY LOAN, or THE 'I was going to get the place painted anyway' HOME IMPROVEMENT LOAN, come and talk to your local credit union.

WE'RE NOT HERE FOR PROFIT.

WE'RE HERE FOR PEOPLE.

Our philosophy has always been to look at things differently. We understand the difference a home improvement loan can...

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Website: http://www.creditunion.ie

Related topics : home improvement loan rates / home improvement loan calculator / home improvement loan / union credit loan / home credit loan apply

Loan Calculator – Capital Credit Union

You are here: Home Loans Loan Calculator

Loan Calculator

Loan Calculator

Anyone who lives or works in Edinburgh, the Lothians, Scottish Borders, Falkirk, Clackmannanshire, Fife, Angus and Dundee is eligible to apply for a loan with Capital Credit Union.

This loan calculator is designed as a repayment guide for...

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Website: capitalcreditunion.com

Related topics : home credit loan calculator / union credit loan / home credit loan apply / home credit loan / calculating loan repayments

Home Equity Loans - Neighbors Credit Union - St. Louis, MO

Apply For A Home Equity Loan

There are several easy ways to apply for a Neighbors Credit Union loan.

Online - Apply online �and receive a response in seconds.

Mobile App - Apply on our mobile banking app and receive a response in seconds

Phone - Call 1-888-207-5363 anytime of day, seven days a week.

Fax - Pick up a loan application from one of our� locations �and fax it to...

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Website: http://www.neighborscu.org

Related topics : credit union mortgage loan requirements / home equity loan refinance rates / credit union loan mortgage deposit / credit union loan mortgage / credit union loan refinance

Poor Credit Home Equity Loans for Low Fico Scores

Poor Credit Home Equity Loans for Low Fico Scores

Have you been denied a loan because of poor credit? Unfortunately many people need a home loan for bad credit because it's a common reality today with many homeowners have low fico scores. At Home Equity Mart.com, We believe that your credit score should not keep you from taking out a second mortgage that can help you save money by consolidating...

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Website: http://www.homeequitymart.com

Related topics : bad credit home equity line of credit lenders / equity loan poor credit / mortgage broker bad credit home loans / low rate loans with bad credit / low rate loans for poor credit

Utah Personal and Business Banking and Loan Services ...

VIEW CURRENT OPENINGS

  

©2017 America First Credit Union. All Rights Reserved. America First Federal Credit Union does business as (DBA) America First Credit Union. Unauthorized account access or use is not permitted and may constitute a crime...

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Website: americafirst.com

Related topics : business loan credit union / union credit loan / business loan credit

Lending – United Financial Credit Union

United Financial Credit Union > Lending

Lending Options

Auto Loans | Recreational Vehicle | Personal Loans | Credit Card | Home Equity Line of Credit | Mortgages | Quick Cash Line of Credit | Student Loans | Insurance

When it's time to buy a car, move into a new home, consolidate your debt or simply handle everyday expenses, United Financial Credit Union can provide the money you need. Our loan...

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Website: https://www.unitedfinancialcu.org

Related topics : line of credit home equity loan rates / line of credit home equity loan / line of credit home equity rates / line of credit home equity / home equity loan credit

CyFair Federal Credit Union - Mortgage Loan

Member Home Loan serves as your convenient and competitive Mortgage Loan Lender, with experts who provide complete and up-to-date information helpful to save you both time & money.

Through our partnership with Member Home Loan, Cy-Fair Federal Credit Union offers a wide range of mortgage options including:

Competitive Mortgage Loan Rates

Fixed and Adjustable Rate Mortgages

FHA & VA Lending...

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Website: https://www.cyfairfcu.org

Related topics : credit union loan mortgage / mortgage rate home loan / home credit loan apply / loan home mortgage / home credit loan

Auto Loans - CreditLoan.com®

More consumer protection information is available here .

Auto Loan Basics

Like all loans, car loans come with a variety of terms and conditions that affect the minimum monthly payment and total amount of the loan. These terms and conditions include the length of the loan, interest rate and down payment amount.

Term Length

The term length is simply the amount of time required to pay back the loan....

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Website: https://www.creditloan.com

Related topics : car loan bad credit interest rate / auto loan rates based on credit score / car loan bad credit credit union / car bank loan interest rate / unsecured loans for bad credit direct lenders

Discovery Federal Credit Union | Checking, Savings, Loans ...

 

You are now leaving our site

You are now leaving Discovery Federal Credit Union's website and are going to a website that is not operated by the credit union. Discovery...

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Website: discoveryfcu.org

Related topics : union credit loan / third federal savings & loan / federal savings loan / loan credit check

Discovery Federal Credit Union | Checking, Savings, Loans ...

 

You are now leaving our site

You are now leaving Discovery Federal Credit Union's website and are going to a website that is not operated by the credit union. Discovery...

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Website: discoveryfcu.org

Related topics : union credit loan / third federal savings & loan / federal savings loan / loan credit check

No Credit Check Loans: - everyonefinance.co.uk

Blog

Everyone Finance never charges any broker fee to process unsecured or secured loans. Be cautious: its loan SCAM if you get any call or emails that asks you payment to process loan or demand any advance instalment by Western Unions, CASH U, UKASH vouchers or credit card.

No Credit Check Loans:

You Can Get Instant Cash Even with Bad Credit History

   If you are plagued by your bad credit...

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Website: https://www.everyonefinance.co.uk

Related topics : quick cash loans no credit check / bad credit loan no broker / bad credit loan no credit check / loan bad credit no guarantor / loan no credit check no guarantor

Auto Sales Center Inc. - Used Cars - Holyoke MA Dealer

Toyota  (3)

Thank you for visiting our new and improved website! Auto Sale Center Inc. is a family run business for over 50 years. We specialize in locating the vehicle of your choice, this process allows the customer to purchase the car or truck they desire instead of feeling the pressure of buying what is on the lot. We have a complete line of services to help our customers with all aspects of...

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Website: http://www.autosalescentercars.com

Related topics : line of credit loan bad credit / car loan bad credit credit union / loan bad credit online / used car loan rates / used car loan auto rates

Used Cars Brooklyn NY | Bad Credit Car Loans | Auto City ...

Auto City International - Brooklyn NY, 11203

Auto City International is a used car dealer located in Brooklyn New York and has been serving customers with good, limited or bad credit in Brooklyn, Queens, Staten Island, Manhattan, the Bronx and Long Island since 1983.

Not only do we offer quality pre owned used cars, trucks, vans and SUV's at an affordable price, but Auto City is a used car...

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Website: http://www.autocityinternational.com

Related topics : bad credit loan no credit check / car payment auto loan / credit score loan car / car loan bad credit history / car loan bad credit credit union

Loans | Money Guide Ireland

Lowest Rates on Personal Loans from Banks  in Ireland

Rates Checked January 1st 2017

On a 4 year  loan of EUR10000 Euro - the  lowest APR  is currently available  from KBC at  6.3% - this rate is only available for current account holders (7.3% otherwise).  Monthly repayments would be EUR193.91 with the total cost of credit coming in at  EUR1634.61 over the 4 years (assuming the rate stays the same)

Other personal loan rates available

Bank of Ireland   7.5% (online for existing account holders only)  

Ulster Bank 8.5%  (Fixed Rate)

AIB  9%

BOI (non account holders) 11.5%  Online or 12.5% for in branch

PTSB ...

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Website: http://www.moneyguideireland.com

Related topics : bank loan interest rates / interest rates loan / bank loan rate / union credit loan / current loan rates

Car Finance For Bad Credit History - Car Loans with No ...

Car Finance For Bad Credit History

Get Fast Approved For An Affordable Car Loan Bad Credit History Online Now

The main objective of car finance bad credit history loans is to help borrowers, who have poor credit ratings, in purchasing new or used cars as per their liking. Probable applicants, whose credit scores are far from desirable, can take advantage of such types of car finances as they...

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Website: http://www.autoloansforeverydriver.com

Related topics : bad credit loan no credit check / bank loans for bad credit / credit score loan car / car loan bad credit no money down / car loan bad credit interest rate

Freedom Credit Union | Mortgages, home equity loans ...

Rates & Disclosures

Communication is our Foundation

Your savings is federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency. We do business in accordance...

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Website: http://freedom.coop

Related topics : credit union loan mortgage deposit / credit union loan mortgage / business loan credit union / union credit loan / federal savings & loan insurance corporation

Student Loan Refinance and Consolidation | USC Credit Union

*Please read below for USC Credit Union's full disclosures, rate details, terms and conditions.

Terms and Conditions:

For both loans, you will be required to review the Application Truth in Lending Disclosure prior to submitting an application. The minimum loan amount is $5,000. Your interest rate will be determined by your credit score or your cosigner's, whichever is greater. Membership is...

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Website: https://www.usccreditunion.org

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Credit Union Car Loans for Bad Credit - CarsDirect

Credit union car loans traditionally require good credit for competitive rates. There are still ways to get a credit union car loan with bad credit.

Finding credit union car loans for bad credit standings can be difficult, but not impossible. Many people who have poor credit scores face the possibility of not qualifying for traditional loans at reasonable rates. Before you seek an "alternate"...

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Website: carsdirect.com

Related topics : low credit score loans / debt loans for bad credit / credit score loan rate / bad credit loan no checking account / bad credit loan no credit check

Difference between Short Term and - On Money Making

The thought of a loan seems to have crossed everyone's mind at some point in life. Generally it's not carefully thought out though. A loan is a specified amount of money someone borrows with the intention of paying it back. Generally it's over a said period of time and is paid back with interest. There are different types of loans falling into two major categories: short term and long term. A...

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Website: http://www.onmoneymaking.com

Related topics : loans short term no credit check / loans short term online / short term loan lenders / bank loan short term / cash loan short term

Financing a New Car with Bad Credit - Financial Web - The ...

Whether you have poor credit or absolutely no credit, there are several ways to finance a good, new vehicle . You don't have to be stuck driving a broken down, undependable heap; you can get financed for a car that you'll be proud to drive, even if you have little or no money for a down payment. For instance, credit unions can be quite lenient on new car loan . Join a local credit union, and...

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Website: http://www.finweb.com

Related topics : car loan bad credit credit union / credit union car loan refinance / car loan bad credit interest rate / get a car loan with poor credit / car loan bad credit no cosigner

Who Offers the Best Debt Consolidation Loans for People ...

Banks and credit unions

Many people looking for debt consolidation loans with bad credit profiles contact their bank or credit union first. And while it makes sense to do business with an institution that you already know and trust, you may be disappointed if you get turned down for a loan. Banks and credit unions offer a variety of traditional loans and other products, but they typically don't...

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Website: careonecredit.com

Related topics : debt loans for bad credit / debt consolidation loans for bad credit / bad credit debt consolidation loans reviews / bad credit debt consolidation loans online / bank loans for bad credit

Bad Credit Loans – Where Credit Doesn’t Have To Be A Problem

Getting Personal With Bad Credit Loans

For those with bad credit, personal loans to see them through an emergency financial situation are easy to find if you know where to look. At Bad Credit Loans, we understand that there are emergencies no one can plan for, and we aren't limited to helping only consumers with perfect credit. Sometimes a run of bad luck comes up through no fault of your own....

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Website: https://www.badcreditloans.com

Related topics : loans short term no credit check / unsecured loans for bad credit direct lenders / debt loans for bad credit / bad credit loan no checking account / bad credit loan no credit check

Mortgage Loans | Alabama One Credit Union

Alabama One Credit Union makes home buying easy and hassle free. We offer a variety of mortgage loan options with terms up to 30 years at fixed and variable rates of interest. Servicing is retained on all mortgage loans, which means you will always make...

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Website: https://alabamaone.org

Related topics : credit union loan mortgage / refinance home mortgage loan rate / credit loan mortgage / mortgage loan rate of interest / mortgage rate home loan

Get Approved For Car Loans in Canada - Bad Credit Car Loan ...

Previous Repo

Judgments

New vehicles available: Ford, Lincoln, Mercury, Chrysler, Dodge, Jeep, Chevrolet, Pontiac, Buick, Cadillac, GMC, Acura, Mazda, Saturn, Saab, Toyota, Honda, Hyundai, Kia, Nissan, Suzuki, BMW.

Used vehicles: any make, any model.

Loan Services in Canada: Ontario, Quebec, ...

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Date: 2016-02-19 23:12:17
Website: http://www.approvedcanada.com

Related topics : car loan bad credit canada / get a car loan with bad credit / car loan bad credit credit union / credit score loan car / car loan bad credit ontario

Compare Bad Credit Loans at Gocompare.com

Bad credit loans

Bad credit loan comparisons are provided by Lovemoney.com Financial Services Limited[1]

Use our smart search tool to see options you'll qualify for without damaging a credit record

Compare bad credit loans, interest rates and terms from multiple providers

Read our guide for pitfalls to avoid and bad credit loan alternatives you may want to consider

 

Guide to bad credit...

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Website: http://www.gocompare.com

Related topics : debt loans for bad credit / debt consolidation loans for bad credit / bad credit loan no collateral / bad credit loan no checking account / bad credit loan no credit check

Borrow: Online Credit Union Loans | Alliant Credit Union

Alliant Credit Union reserves the right to modify or discontinue benefits at its discretion and without notice. To become an Alliant member, you must meet eligibility requirements for Alliant membership. All loans are subject to approval. Rates, terms, and conditions are subject to change.

Payment example: Monthly payment of $8.48 per thousand dollars borrowed based on a rate of 3.41% APR as of...

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Date: 2017-02-28 08:15:04
Website: http://www.alliantcreditunion.org

Related topics : union credit loan / loan rates best / loan rates / term loan / credit loan

Private Student Loans - Aspire Servicing Center

Loan Payment Calculator

Private Loans

Aspire Servicing Center provides customer service and collects student loan payments for Iowa Student Loan and several other lenders. These loans are subject to credit approval.

If you need more money for your college expenses after using your earnings, savings and...

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Website: http://www.studentloan.org

Related topics : student private loan / student loan servicing / payment student loan / student loan credit / student loan education

Susquehanna Valley Federal Credit Union | Loans, Mortgages ...

 

Why Join SVFCU?

Our credit union is member-owned. This means that profits are returned to members in the form of higher savings...

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Website: https://www.svfcu.org

Related topics : credit union loan mortgage / union credit loan / credit loan mortgage / loan mortgage rate

Car Loan Calculator | Seven Seventeen Credit Union in ...

Determine Your Car Loan Payment or Purchase Price

© Seven Seventeen Credit Union. All rights reserved.

3181 Larchmont Ave. NE

Warren, OH 44483

Serving the greater...

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Website: http://www.sscu.net

Related topics : loan payment calculator car / union credit loan / car credit loan / car bank loan calculator / car loan calculator

Bad Credit Loans - Apply for a Bad Credit Loan ...

How does it work?

Submit Your Secure Application

We'll ask you a few questions in order to find you the best loan offers available.

Accept Your Loan

If you are matched with a lender, you will be taken to the lender's website to review and accept your loan.

Use Your Funds

After accepting your loan, it will be deposited into your account in as little as 24 hours.

How much does it cost to...

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Website: https://bad.creditloan.com

Related topics : low credit score loans / debt loans for bad credit / debt consolidation loans for bad credit / credit score loan approval / credit score loan chart

Home Equity Loans Bad Credit OK - Nationwide Mortgages

Read and Review New Bad Credit Home Loan Programs

Stated Income - Home Equity Mortgage

100% CLTV- Not Available

90% CLTV- maximum loan amount-is $250,000 - Not Available

80% CLTV- maximum loan amount-is $500,000 - (see lenders for credit score standards)

In most cases lenders will require a low LTV .ie >80% for poor credit home equity loans.

For more information and a No Cost Quote

Reduced...

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Date: 2017-01-13 07:02:41
Website: nationwidemortgages.net

Related topics : line of credit home equity rates / bad credit home equity line of credit lenders / home equity refinance with bad credit / equity loan poor credit / mortgage broker bad credit home loans

When to pay off credit card debt with a personal loan

Using personal loans to pay off credit card debt

By Gary�Foreman

The New Frugal You

Gary Foreman is a former financial planner who currently edits The Dollar Stretcher website and newsletters. He writes "New Frugal You," a weekly Q&A column about frugal living, for CreditCards.com

'New Frugal You' archive

Dear New Frugal You,

Is it a good idea to take out a personal loan to pay off credit...

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Website: http://www.creditcards.com

Related topics : loan pay credit card debt / loan consolidation credit card debt / loan credit card pay off / loan credit card debt / loan credit card consolidation

Monthly interest calculator: the payday loan trap - BBC

10 key facts about APR and monthly interest

1. What is APR?

Payday loans: check the costs

Advertised monthly costs may seem low, but annual rates are significant

Loans are quick but customer service can be poor. The Financial Ombudsman receives more than 50 complaints about payday lenders every month

Other lenders like banks or credit unions may offer a better deal. Here are ten things to check...

Read more


Website: http://www.bbc.co.uk

Related topics : payday loan fast no credit checks / bank loan interest rates / payday loan no credit check / loans short term no credit check / company loan interest rate