effective annual percentage rate

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• Annual percentage rate — Parts of total cost and effective APR for a 12 month, 5% monthly interest, $100 loan paid off in equally sized monthly payments. The term annual percentage rate (APR), also called nominal APR, and the term effective APR, also called EAR,[1]… …   Wikipedia

• Annual Percentage Yield — (APY) expresses an annual rate of interest taking into account the effect of compounding, usually for deposit or investment products (such as a certificate of deposit). It is analogous to the Annual percentage rate (APR), which is used for loans …   Wikipedia

• Annual Percentage Yield - APY — The effective annual rate of return taking into account the effect of compounding interest. APY is calculated by: The resultant percentage number assumes that funds will remain in the investment vehicle for a full 365 days. The APY is similar in… …   Investment dictionary

• annual percentage yield — ( APY) A precisely calculated measure of yield paid on a bank deposit account. American Banker Glossary ( APY) The effective, or true annual rate of return. The APY is the rate actually earned or paid in one year, taking into account the effect… …   Financial and business terms

• Stated Annual Interest Rate — The return on an investment that is expressed as a per year percentage, and that does not account for compounding that occurs throughout the year. The effective annual interest rate, on the other hand, does account for intra year compounding that …   Investment dictionary

• Annual percentage yield (APY) — The effective, or true, annual rate of return. The APY is the rate actually earned or paid in one year, taking into account the affect of compounding. The APY is calculated by taking one plus the periodic rate and raising it to the number of… …   Financial and business terms

• effective annual rate — The total interest paid or earned in a year expressed as a percentage of the principal amount at the beginning of the year …   Accounting dictionary

• effective annual rate — The total interest paid or earned in a year expressed as a percentage of the principal amount at the beginning of the year …   Big dictionary of business and management

• effective rate — Another name for annual percentage rate that refers to the amount of yearly interest to be charged by a lender on the money borrowed by a debtor. In federal income tax law, the actual tax rate that an individual taxpayer pays based upon his or… …   Law dictionary

• Effective interest rate — The effective interest rate, effective annual interest rate, Annual Equivalent Rate (AER) or simply effective rate is the interest rate on a loan or financial product restated from the nominal interest rate as an interest rate with annual… …   Wikipedia

• Rate of return — In finance, rate of return (ROR), also known as return on investment (ROI), rate of profit or sometimes just return, is the ratio of money gained or lost (whether realized or unrealized) on an investment relative to the amount of money invested.… …   Wikipedia