How would I have a cell return a value based on the intersection of two
other cells.

I have A1 with a Validated List running vertically (the percentages)
I Have B1 with a Validated List running Horizontally (The Term, 30,
25,20,15, or 10)

What I would like to do is have C1 return the the intersecting cell. ie
picking 6.25% for A1 and 20 Years for B1 I would like C1 to return $7.31

How would I acomplish this?

Rate 30 Yrs 25 Yrs 20 Yrs 15 Yrs 10 Yrs

6.00% $6.00 $6.44 $7.17 $8.44 $11.11
6.25% $6.16 $6.60 $7.31 $8.58 $11.23
6.50% $6.33 $6.76 $7.46 $8.72 $11.36
6.75% $6.49 $6.91 $7.61 $8.85 $11.49
7.00% $6.66 $7.07 $7.76 $8.99 $11.62
7.25% $6.83 $7.23 $7.91 $9.13 $11.75
7.50% $7.00 $7.39 $8.06 $9.28 $11.88
7.75% $7.17 $7.56 $8.21 $9.42 $12.01
8.00% $7.34 $7.72 $8.37 $9.56 $12.14
8.25% $7.52 $7.89 $8.53 $9.71 $12.27
8.50% $7.69 $8.06 $8.68 $9.85 $12.40
8.75% $7.87 $8.23 $8.84 $10.00 $12.54
9.00% $8.05 $8.40 $9.00 $10.15 $12.67
9.25% $8.23 $8.57 $9.16 $10.30 $12.81
9.50% $8.41 $8.74 $9.33 $10.45 $12.94
9.75% $8.60 $8.92 $9.49 $10.50 $13.08
10.00% $8.78 $9.09 $9.66 $10.75 $13.22