The First Bank of Lending lists the following A $\frac{?}{\text{b}\text{a}\text{r}}(R)$ R for loans. Determine the APY, or effective interest rate, for a loan amount that is between $$20,000$ and $$99,999.$ Express your answer as a perc$$ntage rounded to the nearest hundredth of a percent, if necessary.

$\backslash$table$[[$First Bank of Lending Loan APR$],[$Loan Amount,APR ${?}^{**}$