Help with EAR finance questions:

1) You open a savings account that pays 6.150% (A). What is the Effective Annual Rate (EAR) of interest?

Answer: I got 6.326%. Wrong, what did I do wrong?

2) You take a traditional loan from the bank, borrowing $50,000 for five years. The interest rate is 6.000% (SA). Your semi-annual payments are only interest, and at the end of the 5 years, you then have to pay back the bank $50,000. What is the semi-annual payment?

Answer: $5,861.53. Wrong, help with this one?

I am using a BA II Plus