(MONEY Magazine) – BEST savings deals MINIMUM CATEGORY/AVERAGE YIELD YIELD INVESTMENT TELEPHONE Money-market accounts 2.51% First Market Bank (Tenn.)** 5.75% $10,000 800-968-3824

Taxable money-market funds 5.15% Aon Funds/Money Market Fund [1] 5.56 10,000 800-266-3637

Tax-exempt money-market funds 3.29%2 Benham Tax-Free MMF [1] 3.90[2] 2,500 800-472-3389

U.S. Gov. money-market funds 4.97% Rembrandt Government MMF/Common CL [1] 5.40 2,000 800-443-4725

Six-month CDs 4.67% First National Bank & Trust (Minn.)*** 5.99 1,000 800-575-3627

One-year CDs 4.98% Providian National Bank (N.H.)*** 6.03 10,000 800-414-9692

Five-year CDs 5.26% Cross Country Bank (Del.)*** 6.43 5,000 800-334-3180

Notes: [1] Manager absorbed all or a portion of operating expenses. [2] Assuming a 28% federal tax bracket, the taxable-equivalent yield is 4.57% for the average tax-exempt money-market fund and 5.42% for the top fund.

Credit cards RATE ANNUAL FEE TELEPHONE Cards with the lowest rates Pulaski B&T (Ark.) 7.99% $35 800-980-2265 Wachovia (Del.) 8.50 88 800-241-7990 Huntington National Bank (Ohio) 9.50 39 800-480-2265

No-fee cards with the lowest rates Capital One Bank (Va.) [1] 9.90 0 800-822-3397 AFBA Industrial (Colo.) 11.40 0 800-776-2265 USAA Savings Bank (Nev.) 12.40 0 800-922-9092 Average all cards 14.96

Notes: All cards have variable rates unless otherwise indicated. [1] Fixed rate; Visa only

Borrowing

LOAN AVERAGE RATE 30-year fixed-rate mortgage 7.22% 15-year fixed-rate mortgage 6.88 One-year adjustable-rate mortgage 5.87 Home-equity lines 9.59 Car loans 8.78

Notes and sources: All rates are subject to change. CD and money-market account yields are as of May 19 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Taxable and government money-market fund yields are as of May 19. Tax-exempt money-market yields are as of May 18, all from IBC's Money Fund Report (www.ibcdata.com). These funds have a minimum investment of $10,000 or less and have assets of $25 million or more. Loan averages are as of May 15 from HSH Associates, 973-838-3330; www.hsh.com. Car-loan rates apply to new-car loans of $15,000. Credit-card rates are for standard cards as of May 19 from Bank Rate Monitor (www.bankrate.com). Bank ratings are based on fourth-quarter 1997 data--*** for the highest financial standing, ** for high, * for low and no stars for the lowest or where no data are available. Detailed reports are available from Veribanc (800-837-4226; $45 each).