EAR. What is the effective annual rate (EAR) of a mortgage that is advertised at 11.5% (APR) over the next twenty years and paid with semiannual payments? What is the effective annual rate (EAR) of the mortgage at 11.5% APR with semiannual payments? : (Round to two decimal places.) rate of 1.35%, a quarterly compounded rater of 3.50%, a semiannually compounded rate of 9%, or an annually compounded rate of 15% ? What is the effective annual rate (EAR) of a daily compounded rate of 0.055% ? % (Round to two decimal places.)