The following table shows annual rates for various types of loans in $2021.$ Assume monthly payments and compounding periods. HINT $[$See Examples $5$ and $7.]$

$\backslash$table$[[\backslash$table$[[$Loan$],[$Type$]],\backslash$table$[[30-$Year$],[$Mortgage$]],\backslash$table$[[15-$Year$],[$Mortgage$]],\backslash$table$[[$New Car$],[$Loan$]],\backslash$table$[[$Used Car$],[$Loan$]],\backslash$table$[[$Credit$],[$Cards$]]],[$Rate$,3\mathrm{.}03\%,2\mathrm{.}30\%,9\mathrm{.}20\%,9\mathrm{.}45\%,13\mathrm{.}99$