(MONEY Magazine) – Some of the best card deals are close to home. A growing number of small banks, listed here, offer credit cards with interest rates of 10% or less to customers in their city, state or region. These rates rival the lowest ones available nationally (see the table above). Even better, says Robert McKinley, president of RAM Research: "Many of these cards are easier to qualify for than low-rate cards from national issuers," especially if you have an account at the bank. -- B.K.

CHART: NOT AVAILABLE CREDIT: Source: RAM Research CAPTION: NO CAPTION

CHART: NOT AVAILABLE CREDIT: Bank Rate Monitor CAPTION: THE BEST CREDIT-CARD DEALS