What interest rate would make it worthwhile to incur a compensating balance of $$15,500$ in order to get a $0\mathrm{.}65-$percent lower interest rate on a $2-$year, pure discount loan of $$230,000?$

Is it worth incurring the compensating balance to obtain the lower rate?

RA: What interest rate would make it worthwhile to incur a compensating balance of $$7,500$ in order to get a $0\mathrm{.}65-$percent lower interest rate on a $2-$year, pure discount loan of $$150,000?$

Note: Negative amount should be indicated by a minus sign. Round your answer to $2$ decimal places.

RB: Is it worth incurring the compensating balance to obtain the lower rate?