(MONEY Magazine) – BEST savings deals

MINIMUM CATEGORY/AVERAGE YIELD YIELD INVESTMENT TELEPHONE

Money-market accounts 2.51% First Market Bank (Tenn.) ** 5.70% $10,000 800-968-3824

Taxable money-market funds 5.12% Aon Funds/Money Market Fund[1] 5.55 10,000 800-266-3637

Tax-exempt money-market funds 3.07%[2] Benham Tax-Free MMF[1] 3.71[2] 2,500 800-472-3389

U.S. Gov. money-market funds 4.94% Vanguard MMR/Federal Portfolio 5.37 3,000 800-662-7447

Six-month CDs 4.65% Southern Pacific Bank (Calif.) *** 5.96 5,000 800-428-5056

One-year CDs 4.96% Southern Pacific Bank (Calif.) *** 6.06 5,000 800-428-5056

Five-year CDs/ 5.24% Cross Country Bank (Del.) *** 6.44 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 4.26% for the average tax-exempt money-market fund and 5.15% for the top fund.

Credit cards ANNUAL RATE 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.)[1,2] 9.90 0 800-822-3397 First USA Bank (Del.)[1] 9.99 0 800-451-2491 AFBA Industrial Bank (Colo.) 11.40 0 800-776-2265 Average all cards[1] 14.96

Notes: Variable rates unless otherwise indicated [1]Fixed rate [2]Visa only

Borrowing

LOAN AVERAGE RATE

30-year fixed-rate mortgage 7.07% 15-year fixed-rate mortgage 6.77 One-year adjustable-rate mortgage 5.78 Home-equity lines 9.58 Car loans 8.80

Notes and sources: All rates are subject to change. CD and money-market account yields are as of June 23 from 100 Highest Yields ($124 for 52 issues; 800-327-7717). Taxable and government-issue money-market fund yields are as of June 23. Tax-exempt money-market fund yields are as of June 22, all from IBC's Money Fund Report (www.ibcdata.com). These funds all have a minimum investment of $10,000 or less and assets of $25 million or more. Mortgage loan rate averages are as of June 26. Home-equity line and car-loan rate averages are as of June 19, all from HSH Associates, www.hsh.com; 973-838-3330. Car-loan rates apply to new-car loans of $15,000. Credit-card rates are for standard cards as of June 23 from Bank Rate Monitor (www.bankrate.com). Bank ratings are based on first-quarter 1998 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 ($45 each; 800-837-4226).