Applicable Federal Rates for 2011

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HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2011 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-11	0.43%	0.43%	0.43%	0.43%
Feb-11	0.51%	0.51%	0.51%	0.51%
Mar-11	0.54%	0.54%	0.54%	0.54%
Apr-11	0.55%	0.55%	0.55%	0.55%
May-11	0.56%	0.56%	0.56%	0.56%
Jun-11	0.46%	0.46%	0.46%	0.46%
Jul-11	0.37%	0.37%	0.37%	0.37%
Aug-11	0.32%	0.32%	0.32%	0.32%
Sep-11	0.26%	0.26%	0.26%	0.26%
Oct-11	0.16%	0.16%	0.16%	0.16%
Nov-11	0.19%	0.19%	0.19%	0.19%
Dec-11	0.20%	0.20%	0.20%	0.20%

— Mid Term Rates for 2011 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-11	1.95%	1.94%	1.94%	1.93%
Feb-11	2.33%	2.32%	2.31%	2.31%
Mar-11	2.44%	2.43%	2.42%	2.42%
Apr-11	2.49%	2.47%	2.46%	2.46%
May-11	2.44%	2.43%	2.42%	2.42%
Jun-11	2.27%	2.26%	2.25%	2.25%
Jul-11	2.00%	1.99%	1.99%	1.98%
Aug-11	1.90%	1.89%	1.89%	1.88%
Sep-11	1.63%	1.62%	1.62%	1.61%
Oct-11	1.19%	1.19%	1.19%	1.19%
Nov-11	1.20%	1.20%	1.20%	1.20%
Dec-11	1.27%	1.27%	1.27%	1.27%

 — Long Term Rates for 2011 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-11	3.88%	3.84%	3.82%	3.81%
Feb-11	4.15%	4.11%	4.09%	4.08%
Mar-11	4.30%	4.25%	4.23%	4.21%
Apr-11	4.25%	4.21%	4.19%	4.17%
May-11	4.19%	4.15%	4.13%	4.11%
Jun-11	4.05%	4.01%	3.99%	3.98%
Jul-11	3.86%	3.82%	3.80%	3.79%
Aug-11	3.86%	3.82%	3.80%	3.79%
Sep-11	3.57%	3.54%	3.52%	3.51%
Oct-11	2.95%	2.93%	2.92%	2.91%
Nov-11	2.67%	2.65%	2.64%	2.64%
Dec-11	2.80%	2.78%	2.77%	2.76%

Applicable Federal Rates for 2010

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HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2010 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-10	0.57%	0.57%	0.57%	0.57%
Feb-10	0.72%	0.72%	0.72%	0.72%
Mar-10	0.64%	0.64%	0.64%	0.64%
Apr-10	0.67%	0.67%	0.67%	0.67%
May-10	0.79%	0.79%	0.79%	0.79%
Jun-10	0.74%	0.74%	0.74%	0.74%
Jul-10	0.61%	0.61%	0.61%	0.61%
Aug-10	0.53%	0.53%	0.53%	0.53%
Sep-10	0.46%	0.46%	0.46%	0.46%
Oct-10	0.41%	0.41%	0.41%	0.41%
Nov-10	0.35%	0.35%	0.35%	0.35%
Dec-10	0.32%	0.32%	0.32%	0.32%

— Mid Term Rates for 2010 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-10	2.45%	2.44%	2.43%	2.43%
Feb-10	2.82%	2.80%	2.79%	2.78%
Mar-10	2.69%	2.67%	2.66%	2.66%
Apr-10	2.70%	2.68%	2.67%	2.67%
May-10	2.87%	2.85%	2.84%	2.83%
Jun-10	2.72%	2.70%	2.69%	2.68%
Jul-10	2.35%	2.34%	2.33%	2.33%
Aug-10	2.18%	2.17%	2.16%	2.16%
Sep-10	1.94%	1.93%	1.93%	1.92%
Oct-10	1.73%	1.72%	1.72%	1.71%
Nov-10	1.59%	1.58%	1.58%	1.57%
Dec-10	1.53%	1.52%	1.52%	1.52%

 — Long Term Rates for 2010 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-10	4.11%	4.07%	4.05%	4.04%
Feb-10	4.44%	4.39%	4.37%	4.35%
Mar-10	4.35%	4.30%	4.28%	4.26%
Apr-10	4.40%	4.35%	4.33%	4.31%
May-10	4.47%	4.42%	4.40%	4.38%
Jun-10	4.30%	4.25%	4.23%	4.21%
Jul-10	3.94%	3.90%	3.88%	3.87%
Aug-10	3.79%	3.75%	3.73%	3.72%
Sep-10	3.66%	3.63%	3.61%	3.60%
Oct-10	3.32%	3.29%	3.28%	3.27%
Nov-10	3.35%	3.32%	3.31%	3.30%
Dec-10	3.53%	3.50%	3.48%	3.47%

Applicable Federal Rates for 2009

HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2009 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-09	0.81%	0.81%	0.81%	0.81%
Feb-09	0.60%	0.60%	0.60%	0.60%
Mar-09	0.72%	0.72%	0.72%	0.72%
Apr-09	0.83%	0.83%	0.83%	0.83%
May-09	0.76%	0.76%	0.76%	0.76%
Jun-09	0.75%	0.75%	0.75%	0.75%
Jul-09	0.82%	0.82%	0.82%	0.82%
Aug-09	0.83%	0.83%	0.83%	0.83%
Sep-09	0.84%	0.84%	0.84%	0.84%
Oct-09	0.75%	0.75%	0.75%	0.75%
Nov-09	0.71%	0.71%	0.71%	0.71%
Dec-09	0.69%	0.69%	0.69%	0.69%

— Mid Term Rates for 2009 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-09	2.06%	2.05%	2.04%	2.04%
Feb-09	1.65%	1.64%	1.64%	1.63%
Mar-09	1.94%	1.93%	1.93%	1.92%
Apr-09	2.15%	2.14%	2.13%	2.13%
May-09	2.05%	2.04%	2.03%	2.03%
Jun-09	2.25%	2.24%	2.23%	2.23%
Jul-09	2.76%	2.74%	2.73%	2.72%
Aug-09	2.80%	2.78%	2.77%	2.76%
Sep-09	2.87%	2.85%	2.84%	2.83%
Oct-09	2.66%	2.64%	2.63%	2.63%
Nov-09	2.59%	2.57%	2.56%	2.56%
Dec-09	2.64%	2.62%	2.61%	2.61%

 — Long Term Rates for 2009 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-09	3.57%	3.54%	3.52%	3.51%
Feb-09	2.96%	2.94%	2.93%	2.92%
Mar-09	3.52%	3.49%	3.47%	3.46%
Apr-09	3.67%	3.64%	3.62%	3.61%
May-09	3.58%	3.55%	3.53%	3.52%
Jun-09	3.88%	3.84%	3.82%	3.81%
Jul-09	4.36%	4.31%	4.29%	4.27%
Aug-09	4.26%	4.22%	4.20%	4.18%
Sep-09	4.38%	4.33%	4.31%	4.29%
Oct-09	4.10%	4.06%	4.04%	4.03%
Nov-09	4.01%	3.97%	3.95%	3.94%
Dec-09	4.17%	4.13%	4.11%	4.09%

Applicable Federal Rates for 2008

HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2008 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-08	3.18%	3.16%	3.15%	3.14%
Feb-08	3.11%	3.09%	3.08%	3.07%
Mar-08	2.25%	2.24%	2.23%	2.23%
Apr-08	1.85%	1.84%	1.84%	1.83%
May-08	1.64%	1.63%	1.63%	1.62%
Jun-08	2.08%	2.07%	2.06%	2.06%
Jul-08	2.42%	2.41%	2.40%	2.40%
Aug-08	2.54%	2.52%	2.51%	2.51%
Sep-08	2.38%	2.37%	2.36%	2.36%
Oct-08	2.19%	2.18%	2.17%	2.17%
Nov-08	1.63%	1.62%	1.62%	1.61%
Dec-08	1.36%	1.36%	1.36%	1.36%

— Mid Term Rates for 2008 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-08	3.58%	3.55%	3.53%	3.52%
Feb-08	3.51%	3.48%	3.46%	3.46%
Mar-08	2.97%	2.95%	2.94%	2.93%
Apr-08	2.87%	2.85%	2.84%	2.83%
May-08	2.74%	2.72%	2.71%	2.70%
Jun-08	3.20%	3.17%	3.16%	3.15%
Jul-08	3.45%	3.42%	3.41%	3.40%
Aug-08	3.55%	3.52%	3.50%	3.49%
Sep-08	3.46%	3.43%	3.42%	3.41%
Oct-08	3.16%	3.14%	3.13%	3.12%
Nov-08	2.97%	2.95%	2.94%	2.93%
Dec-08	2.85%	2.83%	2.82%	2.81%

 — Long Term Rates for 2008 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-08	4.46%	4.41%	4.39%	4.37%
Feb-08	4.46%	4.41%	4.39%	4.37%
Mar-08	4.27%	4.23%	4.21%	4.19%
Apr-08	4.40%	4.35%	4.33%	4.31%
May-08	4.21%	4.17%	4.15%	4.13%
Jun-08	4.46%	4.41%	4.39%	4.37%
Jul-08	4.60%	4.55%	4.52%	4.51%
Aug-08	4.58%	4.53%	4.50%	4.49%
Sep-08	4.58%	4.53%	4.50%	4.49%
Oct-08	4.32%	4.27%	4.25%	4.23%
Nov-08	4.24%	4.20%	4.18%	4.16%
Dec-08	4.45%	4.40%	4.38%	4.36%

Applicable Federal Rates for 2007

HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2007 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-07	4.88%	4.82%	4.79%	4.77%
Feb-07	4.93%	4.87%	4.84%	4.82%
Mar-07	5.06%	5.00%	4.97%	4.95%
Apr-07	4.90%	4.84%	4.81%	4.79%
May-07	4.85%	4.79%	4.76%	4.74%
Jun-07	4.84%	4.78%	4.75%	4.73%
Jul-07	4.97%	4.91%	4.88%	4.86%
Aug-07	5.00%	4.94%	4.91%	4.89%
Sep-07	4.82%	4.76%	4.73%	4.71%
Oct-07	4.19%	4.15%	4.13%	4.11%
Nov-07	4.11%	4.07%	4.05%	4.04%
Dec-07	3.88%	3.84%	3.82%	3.81%

— Mid Term Rates for 2007 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-07	4.58%	4.53%	4.50%	4.49%
Feb-07	4.69%	4.64%	4.61%	4.60%
Mar-07	4.86%	4.80%	4.77%	4.75%
Apr-07	4.61%	4.56%	4.53%	4.52%
May-07	4.62%	4.57%	4.54%	4.53%
Jun-07	4.64%	4.59%	4.56%	4.55%
Jul-07	4.95%	4.89%	4.86%	4.84%
Aug-07	5.09%	5.03%	5.00%	4.98%
Sep-07	4.79%	4.73%	4.70%	4.68%
Oct-07	4.35%	4.30%	4.28%	4.26%
Nov-07	4.39%	4.34%	4.32%	4.30%
Dec-07	4.13%	4.09%	4.07%	4.06%

 — Long Term Rates for 2007 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-07	4.73%	4.68%	4.65%	4.64%
Feb-07	4.86%	4.80%	4.77%	4.75%
Mar-07	5.01%	4.95%	4.92%	4.90%
Apr-07	4.81%	4.75%	4.72%	4.70%
May-07	4.90%	4.84%	4.81%	4.79%
Jun-07	4.91%	4.85%	4.82%	4.80%
Jul-07	5.15%	5.09%	5.06%	5.04%
Aug-07	5.31%	5.24%	5.21%	5.18%
Sep-07	5.09%	5.03%	5.00%	4.98%
Oct-07	4.88%	4.82%	4.79%	4.77%
Nov-07	4.89%	4.83%	4.80%	4.78%
Dec-07	4.72%	4.67%	4.64%	4.63%

Applicable Federal Rates for 2006

HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2006 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-06	4.38%	4.33%	4.31%	4.29%
Feb-06	4.39%	4.34%	4.32%	4.30%
Mar-06	4.58%	4.53%	4.50%	4.49%
Apr-06	4.77%	4.71%	4.68%	4.66%
May-06	4.85%	4.79%	4.76%	4.74%
Jun-06	4.99%	4.93%	4.90%	4.88%
Jul-06	5.05%	4.99%	4.96%	4.94%
Aug-06	5.26%	5.19%	5.16%	5.13%
Sep-06	5.13%	5.07%	5.04%	5.02%
Oct-06	5.00%	4.94%	4.91%	4.89%
Nov-06	4.89%	4.83%	4.80%	4.78%
Dec-06	4.97%	4.91%	4.88%	4.86%

— Mid Term Rates for 2006 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-06	4.48%	4.43%	4.41%	4.39%
Feb-06	4.40%	4.35%	4.33%	4.31%
Mar-06	4.51%	4.46%	4.44%	4.42%
Apr-06	4.72%	4.67%	4.64%	4.63%
May-06	4.84%	4.78%	4.75%	4.73%
Jun-06	5.06%	5.00%	4.97%	4.95%
Jul-06	5.05%	4.99%	4.96%	4.94%
Aug-06	5.21%	5.14%	5.11%	5.09%
Sep-06	5.01%	4.95%	4.92%	4.90%
Oct-06	4.82%	4.76%	4.73%	4.71%
Nov-06	4.69%	4.64%	4.61%	4.60%
Dec-06	4.73%	4.68%	4.65%	4.64%

 — Long Term Rates for 2006 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-06	4.73%	4.68%	4.65%	4.64%
Feb-06	4.61%	4.56%	4.53%	4.52%
Mar-06	4.68%	4.63%	4.60%	4.59%
Apr-06	4.79%	4.73%	4.70%	4.68%
May-06	5.00%	4.94%	4.91%	4.89%
Jun-06	5.32%	5.25%	5.22%	5.19%
Jul-06	5.29%	5.22%	5.19%	5.16%
Aug-06	5.36%	5.29%	5.26%	5.23%
Sep-06	5.21%	5.14%	5.11%	5.09%
Oct-06	5.02%	4.96%	4.93%	4.91%
Nov-06	4.90%	4.84%	4.81%	4.79%
Dec-06	4.90%	4.84%	4.81%	4.79%

Applicable Federal Rates for 2005

HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2005 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-05	2.78%	2.76%	2.75%	2.74%
Feb-05	2.92%	2.90%	2.89%	2.88%
Mar-05	3.08%	3.06%	3.05%	3.04%
Apr-05	3.35%	3.32%	3.31%	3.30%
May-05	3.54%	3.51%	3.49%	3.48%
Jun-05	3.46%	3.43%	3.42%	3.41%
Jul-05	3.45%	3.42%	3.41%	3.40%
Aug-05	3.58%	3.55%	3.53%	3.52%
Sep-05	3.90%	3.86%	3.84%	3.83%
Oct-05	3.89%	3.85%	3.83%	3.82%
Nov-05	4.04%	4.00%	3.98%	3.97%
Dec-05	4.34%	4.29%	4.27%	4.25%

— Mid Term Rates for 2005 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-05	3.76%	3.73%	3.71%	3.70%
Feb-05	3.83%	3.79%	3.77%	3.76%
Mar-05	3.83%	3.79%	3.77%	3.76%
Apr-05	4.09%	4.05%	4.03%	4.02%
May-05	4.28%	4.24%	4.22%	4.20%
Jun-05	4.01%	3.97%	3.95%	3.94%
Jul-05	3.86%	3.82%	3.80%	3.79%
Aug-05	3.92%	3.88%	3.86%	3.85%
Sep-05	4.19%	4.15%	4.13%	4.11%
Oct-05	4.08%	4.04%	4.02%	4.01%
Nov-05	4.23%	4.19%	4.17%	4.15%
Dec-05	4.52%	4.47%	4.45%	4.43%

 — Long Term Rates for 2005 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-05	4.76%	4.70%	4.67%	4.65%
Feb-05	4.72%	4.67%	4.64%	4.63%
Mar-05	4.52%	4.47%	4.45%	4.43%
Apr-05	4.68%	4.63%	4.60%	4.59%
May-05	4.83%	4.77%	4.74%	4.72%
Jun-05	4.57%	4.52%	4.49%	4.48%
Jul-05	4.35%	4.30%	4.28%	4.26%
Aug-05	4.33%	4.28%	4.26%	4.24%
Sep-05	4.52%	4.47%	4.45%	4.43%
Oct-05	4.40%	4.35%	4.33%	4.31%
Nov-05	4.57%	4.52%	4.49%	4.48%
Dec-05	4.79%	4.73%	4.70%	4.68%

Applicable Federal Rates for 2004

HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2004 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-04	1.71%	1.70%	1.70%	1.69%
Feb-04	1.62%	1.61%	1.61%	1.60%
Mar-04	1.58%	1.57%	1.57%	1.56%
Apr-04	1.47%	1.46%	1.46%	1.46%
May-04	1.50%	1.49%	1.49%	1.49%
Jun-04	1.98%	1.97%	1.97%	1.96%
Jul-04	2.26%	2.25%	2.24%	2.24%
Aug-04	2.37%	2.36%	2.35%	2.35%
Sep-04	2.34%	2.33%	2.32%	2.32%
Oct-04	2.26%	2.25%	2.24%	2.24%
Nov-04	2.37%	2.36%	2.35%	2.35%
Dec-04	2.48%	2.46%	2.45%	2.45%

— Mid Term Rates for 2004 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-04	3.52%	3.49%	3.47%	3.46%
Feb-04	3.44%	3.41%	3.40%	3.39%
Mar-04	3.34%	3.31%	3.30%	3.29%
Apr-04	3.15%	3.13%	3.12%	3.11%
May-04	3.16%	3.14%	3.13%	3.12%
Jun-04	3.89%	3.85%	3.83%	3.82%
Jul-04	4.11%	4.07%	4.05%	4.04%
Aug-04	4.00%	3.96%	3.94%	3.93%
Sep-04	3.84%	3.80%	3.78%	3.77%
Oct-04	3.62%	3.59%	3.57%	3.56%
Nov-04	3.55%	3.52%	3.50%	3.49%
Dec-04	3.56%	3.53%	3.51%	3.50%

 — Long Term Rates for 2004 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-04	5.01%	4.95%	4.92%	4.90%
Feb-04	4.94%	4.88%	4.85%	4.83%
Mar-04	4.84%	4.78%	4.75%	4.73%
Apr-04	4.66%	4.61%	4.58%	4.57%
May-04	4.65%	4.60%	4.57%	4.56%
Jun-04	5.20%	5.13%	5.10%	5.08%
Jul-04	5.34%	5.27%	5.24%	5.21%
Aug-04	5.21%	5.14%	5.11%	5.09%
Sep-04	5.03%	4.97%	4.94%	4.92%
Oct-04	4.84%	4.78%	4.75%	4.73%
Nov-04	4.70%	4.65%	4.62%	4.61%
Dec-04	4.68%	4.63%	4.60%	4.59%

Applicable Federal Rates for 2003

HTML Version Copyright 1995-2025 Daniel B. Evans. All rights reserved.

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— Short Term Rates for 2003 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-03	1.81%	1.80%	1.80%	1.79%
Feb-03	1.65%	1.64%	1.64%	1.63%
Mar-03	1.58%	1.57%	1.57%	1.56%
Apr-03	1.46%	1.45%	1.45%	1.45%
May-03	1.53%	1.52%	1.52%	1.52%
Jun-03	1.49%	1.48%	1.48%	1.48%
Jul-03	1.23%	1.23%	1.23%	1.23%
Aug-03	1.21%	1.21%	1.21%	1.21%
Sep-03	1.52%	1.51%	1.51%	1.51%
Oct-03	1.68%	1.67%	1.67%	1.66%
Nov-03	1.50%	1.49%	1.49%	1.49%
Dec-03	1.68%	1.67%	1.67%	1.66%

— Mid Term Rates for 2003 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-03	3.43%	3.40%	3.39%	3.38%
Feb-03	3.27%	3.24%	3.23%	3.22%
Mar-03	3.24%	3.21%	3.20%	3.19%
Apr-03	2.96%	2.94%	2.93%	2.92%
May-03	3.17%	3.15%	3.14%	3.13%
Jun-03	3.06%	3.04%	3.03%	3.02%
Jul-03	2.55%	2.53%	2.52%	2.52%
Aug-03	2.70%	2.68%	2.67%	2.67%
Sep-03	3.43%	3.40%	3.39%	3.38%
Oct-03	3.65%	3.62%	3.60%	3.59%
Nov-03	3.32%	3.29%	3.28%	3.27%
Dec-03	3.55%	3.52%	3.50%	3.49%

 — Long Term Rates for 2003 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-03	4.90%	4.84%	4.81%	4.79%
Feb-03	4.85%	4.79%	4.76%	4.74%
Mar-03	4.80%	4.74%	4.71%	4.69%
Apr-03	4.58%	4.53%	4.50%	4.49%
May-03	4.79%	4.73%	4.70%	4.68%
Jun-03	4.65%	4.60%	4.57%	4.56%
Jul-03	4.17%	4.13%	4.11%	4.09%
Aug-03	4.36%	4.31%	4.29%	4.27%
Sep-03	5.08%	5.02%	4.99%	4.97%
Oct-03	5.23%	5.16%	5.13%	5.11%
Nov-03	4.99%	4.93%	4.90%	4.88%
Dec-03	5.12%	5.06%	5.03%	5.01%

Applicable Federal Rates for 2002

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— Short Term Rates for 2002 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-02	2.73%	2.71%	2.70%	2.69%
Feb-02	2.74%	2.72%	2.71%	2.70%
Mar-02	2.69%	2.67%	2.66%	2.66%
Apr-02	2.88%	2.86%	2.85%	2.84%
May-02	3.21%	3.18%	3.17%	3.16%
Jun-02	2.91%	2.89%	2.88%	2.87%
Jul-02	2.84%	2.82%	2.81%	2.80%
Aug-02	2.54%	2.52%	2.51%	2.51%
Sep-02	2.13%	2.12%	2.11%	2.11%
Oct-02	2.03%	2.02%	2.01%	2.01%
Nov-02	1.82%	1.81%	1.81%	1.80%
Dec-02	1.84%	1.83%	1.83%	1.82%

— Mid Term Rates for 2002 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-02	4.49%	4.44%	4.42%	4.40%
Feb-02	4.63%	4.58%	4.55%	4.54%
Mar-02	4.52%	4.47%	4.45%	4.43%
Apr-02	4.65%	4.60%	4.57%	4.56%
May-02	4.99%	4.93%	4.90%	4.88%
Jun-02	4.74%	4.69%	4.66%	4.64%
Jul-02	4.60%	4.55%	4.52%	4.51%
Aug-02	4.24%	4.20%	4.18%	4.16%
Sep-02	3.75%	3.72%	3.70%	3.69%
Oct-02	3.46%	3.43%	3.42%	3.41%
Nov-02	3.06%	3.04%	3.03%	3.02%
Dec-02	3.31%	3.28%	3.27%	3.26%

 — Long Term Rates for 2002 —

Month	Annual	Semiann.	Quarterly	Monthly
Jan-02	5.46%	5.39%	5.35%	5.33%
Feb-02	5.60%	5.52%	5.48%	5.46%
Mar-02	5.48%	5.41%	5.37%	5.35%
Apr-02	5.62%	5.54%	5.50%	5.48%
May-02	5.85%	5.77%	5.73%	5.70%
Jun-02	5.70%	5.62%	5.58%	5.56%
Jul-02	5.69%	5.61%	5.57%	5.55%
Aug-02	5.46%	5.39%	5.35%	5.33%
Sep-02	5.23%	5.16%	5.13%	5.11%
Oct-02	4.90%	4.84%	4.81%	4.79%
Nov-02	4.60%	4.55%	4.52%	4.51%
Dec-02	4.92%	4.86%	4.83%	4.81%