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Topic: Wall Street Journal prime rate

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	Wall Street Journal Prime Rate
		The Journal surveys the 30 largest banks, and when three-quarters of them (23) change, the Journal changes its rate, effective on the day the Journal publishes the new rate.
		It's the most widely quoted measure of the prime rate, which is the rate at which banks will lend money to their most-favored customers.
		The prime rate will move up or down in lock step with changes by the Federal Reserve Board.
	www.bankrate.com /brm/ratewatch/wsjPrimeRate.asp (157 words)

	Oswego Daily News - Oswego, New York - Rate Hikes Spark a Search for Equity Loan Alternatives (Site not responding. Last check: 2007-11-02)
		The Wall Street Journal prime rate — a consensus prime rate based on 75 percent of the nation's 30 largest banks — is the most widely quoted prime rate and it has changed quite often as of late.
		The prime rate moves in tandem with the Federal Reserve's benchmark federal funds rate, the interest rate at which banks and other depository institutions lend money to each other, usually on an overnight basis.
		Likewise, the Wall Street Journal prime rate has followed in lock-step, rising from 4 percent in June of 2004 (the lowest level since 1958) to 5 percent in November of 2004.
	oswegodailynews.com /index.php/oswego/special_sections/real_estate/rate_hikes_spark_a_search_for_equity_loan_alternatives__2 (898 words)

	Disclosures - National City Corporation
		The featured rate is available for FRP advances taken by 9/30/03 for lines opened between 9/2/03 and 9/30/03 or for FRP advances taken by 10/18/03 on lines opened between 10/1/03 and 10/18/03.
		The rate for a Fixed-Rate Lock (FRL) is determined by fixing the rate at a 3-year Treasury Notes Index (currently 99.00% as of 9/23/2006) plus a margin.
		These rates are currently available for new home equity installment loans with terms up to 360 months and for $10,000 or more with a loan-to-value ratio of less than 90% and depending on credit qualifications.
	www.nationalcity.com /personal/RatesDisclosure.asp (908 words)

	Make these moves now and beat the interest rate hike
		The prime rate sits at 8 percent right now -- up a quarter point since June, when the Fed hiked rates a quarter point -- and no one expects to see it head down.
		Rates on those loans haven't gone up as much as rates on long-term mortgages, meaning they are a relative bargain.
		Used-car loans are slower to follow the prime rate's moves, and may not change for a month or two.
	origin.bankrate.com /brm/news/pf/19990620a.asp (1241 words)

	Current prime rate, fed funds rate, federal discount rate, COFI
		The prime rate, as reported by the Wall Street Journal's bank survey, is among the most widely used benchmark in setting home equity lines of credit and credit card rates.
		Changes in the fed funds rate and the discount rate also dictate changes in the Wall Street Journal Prime Rate, which is of interest to borrowers.
		The prime rate is the underlying index for most credit cards, home equity loans and lines of credit, auto loans, and personal loans.
	www.bankrate.com /brm/ratewatch/leading-rates.asp (289 words)

	USA Credit Union \| Rates
		The Variable Auto rate is based on the previous quarter's Wall Street Journal prime rate minus.01%.
		The variable boat loan rate is based on the previous quarter's Wall Street Journal prime rate minus.01%.
		Rate is set each quarter on the previous quarter's average rate for 26-week US Treasury Bills plus 3% rounded to nearest 0.25%.
	www.usafcu.org /site/rates.html (490 words)

	Prime Rate Index
		In general, the prime rate is 3 percent above the Federal Funds Rate, the interest rate banks are forced (by the Federal Reserve) to charge to each other.
		Unlike other indexed rates, the prime rate does not change on a regular basis; rather, it changes whenever banks need to alter the rates at which borrowers obtain funds.
		The Prime Rate index is on most Home Equity Lines of Credit (HELOC) and does not change at regular intervals such as the CODI, COFI, Libor or the MTA indices.
	www.ijumboloan.com /prime.htm (133 words)

	A New Prime Rate Website Goes Live at WSJPrimeRate.us
		The site also has a prime rate blog that offers in-depth analysis of current and future interest rate trends; visitors will find the blog entries related to prime rate predictions very useful.
		The U.S. prime rate (also known as the published Wall Street Journal prime rate) is the base interest rate that banks and other lenders use as the foundation rate for many popular loan products, including credit cards, variable rate mortgages and car loans.
		The prime rate is also the interest rate at which banks will lend money to other banks, and to their most reliable, established and creditworthy business customers.
	www.prweb.com /releases/2006/3/prweb356361.htm (691 words)

	Wall Street Journal Prime Mortgage Rate (Site not responding. Last check: 2007-11-02)
		The prime rate is defined by The Wall Street Journal as "The base rate on corporate loans posted by at least 75% of the nation's 30 largest banks.
		WSJ Prime Rate is a common benchmark for consumer and business loans set by banks, usually at a level 3 percentage points higher than the Fed funds rate.
		Many home-equity loans and lines of credit are tied to the prime rate as published in the Wall Street Journal.
	www.explainingmortgages.com /wsj_mortgage_rate.html (113 words)

	[No title]
		Prime is the Wall Street Journal Prime Rate and is currently 8.00%.
		Rate and terms offered may vary depending on your credit history and other qualifications, amount of equity in the property, location, and type of property, and other factors.
		The rates and terms you are offered are the responsibility of the participating lenders and will vary based upon your loan request and determined by the lender(s) to whom you are matched.
	www.getsmart.com /rate_disclosures.asp (5699 words)

	subscribe wall street journal \| wall street journal subscription \| wall street journal prime rate \| wall street journal ...
		"The Wall Street Journal" is nothing less than America's true newspaper of record, a window on the world of business, finance, international affairs, and all the delicious little nuggets of news that would otherwise slip through the cracks.
		The Wall Street Journal is, every single day, chock full of so many juicy, delicious, insanely informative, amazingly well-written, positively balanced nuggets of journalism on finance, politics, economics, technology, market trends, literary explosions-so much, in fact, that it's an embarrassment of riches.
		It's a veritable treasure-house of knowledge, and since Gordon Gekko was right-the most valuable commodity in the world is information-the Wall Street Journal serves as purveyor of that most critical, that most precious commodity.
	www.wallstreetjournal-reviews.info (568 words)

	Raymond James Bank Interest Rates (Site not responding. Last check: 2007-11-02)
		Rates on either an installment loan or a line of credit secured by a Raymond James Bank Certificate of Deposit are 2.50% above the CD rate, with a minimum of the current Wall Street Journal Prime Rate.
		The rate is fixed for the term of the loan or line, not to exceed five years.
		Rates are based on the Wall Street Journal Prime Rate, plus or minus a margin.
	www.raymondjamesbank.com /InformationCenter/Rates.htm (890 words)

	Financing - D and M Equipment Company, Inc.
		Prime Rate is the rate published in The Wall Street Journal.
		The Prime rate as of June 1, 2005 is 6.00%.
		The Prime rate used for interest calculations will be that which is published by The Wall Street Journal on the first day of then current month.
	www.dandmequipment.com /financing.htm (253 words)

	Rates (Site not responding. Last check: 2007-11-02)
		Variable rate based on the Wall Street Journal Prime Rate (rounded to the nearest.25%) plus 1% for LTV of 80% or less and 1.5% for LTV of 81 to 90%.
		Rate may adjust semi-annually on January 1 and July 1 of each year.
		The payment amount will be recalculated at the time of each advance and rate adjustment to avoid negative amortization and/or extended rate of repayment.
	www.comstarfcu.org /rates_pages.asp?type=mortgageloans (186 words)

	What's a LIBOR?
		Bankrate tracks The Wall Street Journal's prime rate on its Rate Watch page along with most interest rates that lenders use to price variable (adjustable) rate loans.
		Along with that you need to know how often your interest rate is reset and any limits on interest rate changes either for a single reset period or over the life of the loan.
		Short-term interest rates are trending higher and the interest rates on adjustable rate mortgages will trend higher with increases in the interest rate that the mortgage is priced on.
	origin.bankrate.com /brm/news/DrDon/20041222a1.asp (576 words)

	North Dallas Bank
		The rate of interest on the loan would adjust at the end of five years to a new rate for years 5 through 10 based upon the index and margin described in the note.
		Rate: Wall Street Journal Prime (click here to view the rate) adjustable monthly.
		The APR shown here is based on interest rate and points only and does not take into account other finance charges you you might be required to pay.
	www.ndbt.com /loanrates.shtml (406 words)

	Homeline Information (Site not responding. Last check: 2007-11-02)
		Your rate will be determined by your credit score and loan to value.
		Rate is based on the Prime Rate as published in the Wall Street Journal on the last business day of the previous billing cycle.
		The rate may vary monthly with changes to The Wall Street Journal Prime Rate, but will never exceed a maximum APR of 18.00%.
	www.nefamily.org /page10.html (348 words)

	Wall Street Journal Prime Rate
		Raising interest rates to fight inflation, without pushing the economy into recession, is a tricky matter, but it looks like the Federal Open Market Committee (FOMC) may have pulled it off.
		The economy is definitely slowing, but recent data suggest that it's coming in for a soft landing, and not crashing: Factory Orders and Construction Spending fell in July, but, on the flip side, the closely-watched Employment Situation Report indicates that unemployment fell from 4.8% to 4.7% in August, 2006, and 128,000 jobs were created.
		In website news, we've recently added a page featuring foreign prime rates.
	www.wsjprimerate.us /wsjprimerate/blog.htm (1978 words)

	Savings Accounts: Wall Street Savings
		This method applies a daily periodic rate to the principal in the account each day.
		On all variable interest bearing accounts: the interest rate and annual percentage yield may change; at our discretion, we may change the interest rate on your account at any time.
		Balance to Avoid Maintenance Fee section: the average daily balance is calculated by adding the principal in the combined accounts for each day of the period and dividing that figure by the number of days in the period.
	www.tomorrowsbanktoday.com /wallst.htm (313 words)

	POP > PrimeTracker
		The dividend rate for the PrimeTracker Term Share Certificate is subject to change quarterly based on the Wall Street Journal Prime Rate.
		This is the dividend rate to be paid for the remainder of the calendar quarter.
		The dividend rate is subject to change quarterly based on the Wall Street Journal Prime Rate, as published on the last business day of the previous calendar quarter each quarter for the remainder of the term.
	www.nefcu.com /nefcu.cfm?tn=std&menuid=23&navids=3,23&pageid=221 (151 words)

	Blogger: Email Post to a Friend
		Today's rate increase comes as no surprise to economists, bankers and rate watchers, as most have been predicting a quarter point increase from The Fed today.
		Today's Fed Funds Rate increase-- and subsequent prime rate increase--is the 14th straight bump to these key banking interest rates, and it looks like more rate increases are coming as the year progresses.
		The majority of economists who responded to a recent poll are predicting that The Fed Funds Rate will be bumped up to 4.75% by the end of June, 2006, and that it will remain @ 4.75 for the rest of 2006.
	www.blogger.com /email-post.g?blogID=15462428&postID=113874382042916996 (1052 words)

	[No title] (Site not responding. Last check: 2007-11-02)
		The HELOC interest rate that goes into effect the first day of every month, is determined 10 days prior to the end of the previous month, and is based on the Published Prime Rate in effect on that date.
		Wall Street Journal Prime rate minus 1.00% for the draw period.
		Discounted rates available on new loans $20,000.00 or greater, with a net payroll direct deposit or a payroll deduction for a minimum of $800.00 per month, and an automatic transfer loan payment for the life of the loan.
	www.servicecu.org /mortgage_pr_rates_show_homeequity.asp (302 words)

	Money Market Accounts
		Unlike most Money Markets, Frontier Bank’s Prime Time Money Market Account is based on the Wall Street Journal Prime Rate, so you will know when to expect rate changes.
		Limitation on rate changes: There are no limitations on rate changes; however the interest rate will never be greater than 9.00% or less than 0.250%.
		Rate Calculations: Interest accrues daily based on collected balance and is added to account monthly.
	www.frontierbank.net /mma.html (469 words)

	Preferred Financial - Historical Mortgage Trends
		The Prime Rate is the benchmark interest rate charged by banks to their most creditworthy corporate customers.
		The Wall Street Journal defines it as “The base rate on corporate loans posted by at least 75% of the nation’s 30 largest banks”;.
		That is, if the Fed increases its discount rate by ¼ %, banks will usually follow the Fed’s lead by increasing their prime lending rate by the same amount.
	www.preferredfinancial.com /trends/prime.htm (185 words)

	H&R Block Bank - Loan Rates
		It could be higher than than the interest rate stated on the Note because it includes, in addition to the interest rate, loan discount points, miscellaneous fees and mortgage insurance.
		This index is tied to The Wall Street Journal prime rate.
		Mortgage rates may change on a daily basis and have the ability to change within the day depending on market conditions.
	www.hrblock.com /bank/loan_rates.jsp (1004 words)

	RateEmpire.com-Prime Rate
		The Prime Rate is the interest rate charged by banks for short-term loans to their most creditworthy customers whose credit standing is so high that little risk to the lender is
		Adjustments to the prime rate are made by banks at the same time; although, the prime rate does not adjust on any regular basis.
		The prime rate is not very volatile index however it generally rises quickly but declines very slowly.
	www.rateempire.com /indexes/primerate.html (171 words)

	SC Current Rates (Site not responding. Last check: 2007-11-02)
		The disclosed rates are accurate as of the date of this advice
		The rates may change after the account is opened, to reflect market conditions.
		Balances under $5,000 are paid the Now account rate, and a $15.00 service charge is assessed for the month.
	www.sc-bank.com /current_rates (167 words)

	Marlborough Savings Bank (Site not responding. Last check: 2007-11-02)
		* Overdraft Lines of Credit have a minimum rate of 8.50%, maximum rate of 18%,and are variable rates subject to increase after consummation, adjusting Monthly to the Wall Street Journal Prime Rate.
		Equity Lines of Credit have a minimum rate of 4.750%, maximum rate of 18%, and are variable rates subject to increase after consummation, adjusting Monthly to the Wall Street Journal Prime Rate minus.500%.
		Equity Lines of Credit have a minimum rate of 3.50%, maximum rate of 18%, and are variable rates subject to increase after consumation, adjusting Monthly to the Wall Street Journal Prime Rate.
	www.marlboroughsavings.com /lnctr/rates.php (311 words)

	Wall Street Journal Prime Rate: September 2005
		FOMC Elects to Pause Raising Rates: Prime Rate Remains at 8.25%
		Odds On A Prime Rate Increase for August 8 Drop to 31% on Release of GDP "Advance" Numbers for Q2
		NB1: On Monday, September 19, 2005, the cost for a barrel of light sweet crude rose by more than $4, a singular event, as this was the largest price jump to ever occur on a single day for a barrel of the light sweet stuff.
	www.wsjprimerate.us /wsjprimerate/archive/2005_09_01_archive.html (1262 words)

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