at 5% and by 5%

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mrwroc

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No to both.
 
Not a teacher
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By and at have different meanings. I've allowed myself to add to and from to the mix to, hopefully, help you see how you could use them.

Other uses aside, from your question I'm assuming this is what you'd like to learn:

By shows the difference,
At the position, without any notion of change or movement,
To the destination, the end point after the change,
From the starting position, before the change.

Below is what I've written to use all of them in one sentence.

"Our net worth has risen by 20%, from $10B to $12B, and the share price is now at $600."
 
If you save money for a fixed or minimum interest rate, by doesn't work. Even in days of nearly zero interest rates.
 
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