National Investment Bank, NIB offered the best deposit rate of 10.49 percent for enterprises and households with funds to spare as deposits as at July 31. STANCHART offered the least deposit rate of 3.72 to such enterprises. NIB however had the highest borrowing rate of 35 percent for enterprises in the Agric, Manufacturing, Construction and Commerce sectors. This is according to the Bank of Ghana’s latest publication on Annual Percentage Rates, APR and Average Interest paid on deposits as at July 31. The APR is the true interest rate financial institutions charge on loans including the fees and commissions. For the period under review, the base rates for enterprises ranged from 12.68 percent offered by Bank of Africa to 25.95 by First Atlantic Bank. ECOBANK emerged the ideal bank enterprises in the Agric, Manufacturing and Construction sectors could borrow from whilst those into Commerce could look at Access Bank – both a rate of a little over 20 percent. Even though STANCHART emerged the bank with the least deposit rate of approximately 4 percent for households, it offered the best base-rate as well as for individual borrowers seeking mortgage loans and vehicle loans. UT Bank had the highest base-rate for households whilst Bank of Africa emerged the most favorable bank in terms of other consumer credit.