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	Indexes Daily Indexes Constant Maturity Treasury CMT 12-Month Treasury Average MTA 11th District Cost of Funds Index COFI Certificate of Deposit Index. CODI Cost of Savings Index COSI London Inter Bank Offering Rates LIBOR Prime Rate Fed. Funds Rates Discount Rate London InterBank Offered Rate - LIBOR  LIBOR is the rate on dollar-denominated deposits; also know as Eurodollars, traded between banks in London. The index is quoted for one month, three months, six months as well as one-year periods. LIBOR is the base interest rate paid on deposits between banks in the Eurodollar market. A Eurodollar is a dollar deposited in a bank in a country where the currency is not the dollar. The Eurodollar market has been around for over 40 years and is a major component of the International financial market. London is the center of the Euro market in terms of volume. The LIBOR rate quoted in the Wall Street Journal is an average of rate quotes from five major banks. Bank of America, Barclays, Bank of Tokyo, Deutsche Bank and Swiss Bank. The most common quote for mortgages is the 6-month quote. LIBOR's cost of money is a widely monitored international interest rate indicator. LIBOR is currently being used by both Fannie Mae and Freddie Mac as an index on the loans they purchase. LIBOR is quoted daily in the Wall Street Journal's Money Rates and compares most closely to the 1-Year Treasury Security index. LIBOR is popularly used as the base to determine interest rates on lower credit loans, as well as the underlying interest rate for several derivative securities in the over-the-counter market (OTC). LIBOR Rates 2007 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR January 5.3201 5.3601 5.4014 5.4414 Febuary 5.3214 5.3598 5.3723 5.3328 March 5.3195 5.3479 5.3212 5.2009 April 5.3201 5.3555 5.3581 5.2967 May 5.3210 5.3595 5.3844 5.3885 June 5.3195 5.3593 5.3817 5.4048 July 5.3200 5.3597 5.3768 5.3914 August 5.4801 5.4723 5.3683 5.1847 September 5.5121 5.5079 5.3655 5.0703 October 4.9940 5.1574 5.0605 4.8841 November 4.7412 4.9482 4.8265 4.5328 2006 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 4.5720 4.6795 4.8126 4.9412 3.6243 February 4.6310 4.8192 4.9907 5.1526 3.7861 March 4.8260 4.9898 5.1196 5.2476 3.9501 April 5.0245 5.1479 5.2879 5.4217 4.1119 May 5.1071 5.2335 5.3215 5.4139 4.2781 June 5.3451 5.5085 5.6382 5.7660 4.4452 July 5.4045 5.4889 5.5473 5.5910 4.6030 August 5.3314 5.4014 5.4501 5.4501 4.7395 September 5.3229 5.3725 5.3704 5.2985 4.8615 October 5.3198 5.3729 5.3898 5.3348 4.9641 November 5.3479 5.3685 5.3495 5.2439 5.0518 December 5.3279 5.3601 5.3651 5.3139 2005 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 2.5892 2.7439 2.9582 3.2710 1.6682 February 2.6895 2.9101 3.1495 3.5114 1.8009 March 2.8582 3.0995 3.3876 3.8420 1.9482 April 3.0826 3.2107 3.4151 3.7101 2.1133 May 3.1126 3.3292 3.5314 3.7789 2.2803 June 3.3401 3.5045 3.6914 3.8632 2.4454 July 3.5107 3.6948 3.9235 4.1745 2.6136 August 3.6942 3.872 4.0817 4.3123 2.7841 September 3.8584 4.0551 4.2154 4.4067 2.9523 October 4.0882 4.2523 4.4467 4.6765 3.1274 November 4.2954 4.4139 4.5795 4.7379 3.2951 December 4.3857 4.5298 4.6901 4.8226 3.4591 2004 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 1.0982 1.1320 1.2107 1.4607 1.1834 February 1.0973 1.1201 1.1695 1.3645 1.1636 March 1.0914 1.1107 1.1595 1.3401 1.1458 April 1.1007 1.1764 1.3682 1.8082 1.1277 May 1.1089 1.3082 1.5789 2.0764 1.1102 June 1.3582 1.6039 1.9420 2.4682 1.1297 July 1.4929 1.6945 1.9857 2.4632 1.1622 August 1.6482 1.7901 1.9907 2.3001 1.2065 September 1.8401 2.0054 2.1695 2.4445 1.2663 October 1.9870 2.1582 2.3007 2.5289 1.3386 November 2.2826 2.4026 2.6239 2.9607 1.4358 December 2.4178 2.5582 2.7751 3.1004 1.5440 2003 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 1.339 1.348 1.353 1.477 1.716 February 1.334 1.336 1.336 1.368 1.670 March 1.306 1.288 1.262 1.340 1.622 April 1.318 1.308 1.290 1.362 1.578 May 1.3189 1.2782 1.2232 1.2214 1.5347 June 1.1232 1.1164 1.1239 1.2014 1.4753 July 1.1036 1.1176 1.1507 1.2789 1.4158 August 1.1170 1.1420 1.2098 1.4714 1.3572 September 1.1214 1.1598 1.1795 1.2857 1.2990 October 1.1201 1.1657 1.2207 1.4551 1.2473 November 1.1157 1.1701 1.2295 1.4867 1.2253 December 1.1195 1.1570 1.2192 1.4582 1.2034 2002 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 1.829 1.862 1.989 2.420 3.403 February 1.883 1.920 2.068 2.496 3.121 March 1.880 2.031 2.332 3.006 2.854 April 1.842 1.913 2.100 2.613 2.638 May 1.844 1.896 2.090 2.634 2.453 June 1.836 1.860 1.948 2.251 2.287 July 1.818 1.823 1.863 2.070 2.125 August 1.820 1.816 1.815 1.943 1.978 September 1.819 1.806 1.751 1.813 1.910 October 1.741 1.702 1.618 1.664 1.861 November 1.380 1.432 1.471 1.705 1.798 December 1.382 1.383 1.383 1.447 1.757 2001 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 5.622 5.518 5.361 5.284 6.420 February 5.278 5.103 4.955 4.925 6.368 March 5.078 4.877 4.711 4.670 6.280 April 4.435 4.312 4.231 4.330 6.133 May 4.059 3.999 3.990 4.259 5.918 June 3.835 3.791 3.827 4.055 5.683 July 3.760 3.677 3.694 3.835 5.444 August 3.584 3.487 3.479 3.600 5.191 September 2.637 2.597 2.532 2.650 4.859 October 2.321 2.232 2.173 2.311 4.500 November 2.145 2.080 2.101 2.492 4.110 December 1.876 1.883 1.983 2.445 3.720 2000 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 5.856 6.049 6.238 6.659 5.379 February 5.907 6.104 6.328 6.760 5.454 March 6.133 6.289 6.530 6.970 5.553 April 6.197 6.393 6.614 6.964 5.661 May 6.641 6.838 7.064 7.453 5.804 June 6.649 6.778 7.014 7.214 5.923 July 6.625 6.715 6.887 7.047 6.044 August 6.628 6.684 6.831 6.978 6.148 September 6.620 6.816 6.761 6.811 6.250 October 6.621 6.755 6.721 6.725 6.351 November 6.827 6.735 6.678 6.618 6.378 December 6.565 6.403 6.208 5.997 6.439 1999 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 4.946 5.032 5.036 5.108 5.488 February 5.003 5.065 5.168 5.405 5.423 March 4.940 5.009 5.083 5.307 5.358 April 4.902 4.993 5.075 5.303 5.292 May 4.930 5.053 5.193 5.503 5.228 June 5.223 5.355 5.633 5.803 5.185 July 5.178 5.320 5.680 5.836 5.141 August 5.370 5.505 5.913 6.023 5.112 September 5.396 6.083 5.974 6.053 5.111 October 5.410 6.218 6.144 6.313 5.122 November 6.503 6.122 6.063 6.261 5.243 December 5.832 6.005 6.136 6.508 5.303 1998 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 5.704 5.758 5.750 5.774 5.690 February 5.789 5.782 5.782 5.836 5.716 March 5.719 5.758 5.797 5.914 5.716 April 5.688 5.766 5.868 6.024 5.715 May 5.696 5.735 5.805 5.930 5.714 June 5.748 5.785 5.871 5.940 5.716 July 5.696 5.758 5.822 5.897 5.721 August 5.727 5.713 5.692 5.648 5.725 September 5.400 5.422 5.359 5.186 5.702 October 5.277 5.351 5.131 4.865 5.672 November 5.048 5.377 5.280 5.244 5.612 December 5.118 5.172 5.172 5.213 5.551 1997 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 5.461 5.594 5.711 5.954 5.442 February 5.469 5.555 5.680 5.954 5.452 March 5.719 5.805 5.961 6.282 5.474 April 5.704 5.883 6.079 6.454 5.495 May 5.711 5.829 6.008 6.289 5.517 June 5.719 5.813 5.938 6.141 5.534 July 5.641 5.735 5.829 5.977 5.551 August 5.680 5.735 5.860 6.079 5.572 September 5.672 5.782 5.852 6.008 5.591 October 5.633 5.766 5.805 5.922 5.613 November 5.766 6.016 6.039 6.110 5.644 December 5.852 5.985 6.008 6.079 5.669 1996 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 5.469 5.438 5.336 5.196 5.940 February 5.352 5.313 5.289 5.274 5.875 March 5.454 5.493 5.516 5.704 5.818 April 5.454 5.485 5.422 5.829 5.766 May 5.446 5.516 5.641 5.977 5.714 June 5.516 5.625 5.844 6.172 5.668 July 5.493 5.704 5.922 6.243 5.636 August 5.430 5.539 5.743 6.055 5.630 September 5.438 5.649 5.750 5.985 5.551 October 5.375 5.516 5.579 5.719 5.512 November 5.391 5.524 5.547 5.696 5.459 December 5.547 5.586 5.618 5.789 5.443 1995 1-month LIBOR 3-month LIBOR 6-month LIBOR 1-Year LIBOR 12-Month Avg. of 1-Month LIBOR January 6.078 6.328 6.688 7.250 n/a February 6.125 6.250 6.438 6.750 5.020 March 6.141 6.266 6.438 6.750 5.223 April 6.079 6.188 6.313 6.563 5.402 May 6.063 6.063 6.063 6.055 5.542 June 6.079 6.000 5.875 5.766 5.669 July 5.875 5.891 5.875 5.875 5.782 August 5.907 5.907 5.938 5.954 5.868 September 5.922 5.993 5.985 5.969 5.945 October 5.844 6.008 5.954 5.883 6.009 November 6.032 5.907 5.735 5.672 6.011 December 5.735 5.657 5.563 5.454 5.990 1994 1-month LIBOR 3-month LIBOR 6-month LIBOR