360 365 Interest
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Your bonus interest will be reflected in your e-statement, Online Banking and Mobile Banking transaction history as follows. 360 SALARY BONUS; 360 CC SPEND BONUS; 360 STEP UP BONUS; 360 WEALTH BONUS; 360 GROW BONUS; 360 BOOST BONUS; If you close your account before the bonus interest crediting date, the bonus interest for the previous month will be forfeited.
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Consider a $100,000 mortgage loan with a 15% APR accrued daily. Assuming the contract has a 365-day year (some are 360), the daily interest rate can be found by dividing 15 by 365. This calculation.
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A 30/360 convention in interest calculation means that there are exactly 30 days in a month and there are 12 months [or 360 days in a year]. This convention was used in the early days when computers were not used and most of the calculation were done by hand [remember banking was there before computers].
The bank discount rate is the interest rate for short-term money-market instruments. Since the formula uses 360 days instead of 365 days or 366 days in a year, the bank discount rate calculated.
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That’s why 360 Savings accounts are available both online and in person at Capital One locations-so that you can bank on your schedule. Visit your nearby Capital One location to open your 360 Savings account and get started with awesome free digital tools (and a top-rated mobile app) to help you manage your money, anytime, almost anywhere.
Per Diem Interest. The difference between a 360-day and a 365-day year is relevant to the calculation of prepaid or per diem interest. This is interest for the period between the loan closing date and the first day of the following month. That calculation uses a daily interest rate. If your $161,000 loan closed on February 15, 2005, for example,
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