The First Bank of Lending lists the following APR for loans. Determine the APY, or effective interest rate, for a loan amount that is between $$20,000$ and $$99,999.$ Round your answer to the nearest hundredth, If necessary.

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