What type of APRS do banks offer?

Good day, I'm curious to know more about the types of Annual Percentage Rates (APRs) that banks typically offer. Could you please elaborate on the different types of APRs available, and what factors might influence a bank's decision to offer a particular type of APR? Additionally, how do these APRs differ from one another, and what impact do they have on borrowers and lenders? Thank you for your insights.