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and interest in advance, had risen with ANZ, for 2 yr in the past month, but their 3 yr rate has now dropped. Interestingly the 2 yr rate was 4.79% and now at 5.09% The 3 yr rate was at 5.09 but now has dropped to 4.79% as of friday. If your on the breakfree that comes in at 4.64%...