calculate the interest rates for the following scenarios:

A one$-$year fixed$-$rate loan of $$10,000$ with an annual interest rate of $5\%.$

A five$-$year adjustable$-$rate mortgage $($ARM$)$ starting at $3\%$ for the first year, with annual adjustments based on a benchmark rate plus a margin of $2\%.$

A three$-$year certificate of deposit $($CD$)$ at a credit union with an annual vield of $2\mathrm{.}5\%.$