What's the current interest rate for personal loans? <a href="http://bellegreyedesigns.com/rxheadscom-f15e.pdf#status">rxheads.com</a>  Under the terms of the last contract proposal made public, BART said it offered a 12 percent pay raise over four years. According to management, BART workers earn $79,000 a year on average, plus benefits. The unions put the average worker's salary at $64,000.