What is a good interest rate and APR?

Banks and lending institutions are sending direct mail to promote their loans and lines of credit. What is a good interest rate and APR, according to your standards, and why?

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Subjectively speaking a good interest rate and APR all depends on what type of loan your receiveing, for example the average credit card interest rate in 2016 was 12.5% according to ValuePenguin so anything lower than 12% would be hypotheically a good interest rate on your credit card. When the Federal Funds rate increases though, interest rates on loans go up, so buyer beware. You may also want to look into state usury laws, every state has a maxmimum legal interest rate and this may help you decide whats best for your loan.