(MONEY Magazine) – CREDIT CARDS CARDS WITH THE LOWEST RATES Rate Annual fee Telephone Pulaski B&T (Ark.) 7.99% $35 800-980-2265 Wachovia Bank (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 16.23 Notes: Variable rates unless otherwise indicated [1]Fixed rate [2]Visa only

BORROWING

LOAN Average rate

30-year fixed-rate mortgage 7.03% 15-year fixed-rate mortgage 6.72 One-year adjustable-rate mortgage 5.81 Home-equity lines 9.53 Car loans 8.76

Notes and sources: All rates are subject to change. Loan rates are as of Aug. 14 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 Aug. 18 from Bank Rate Monitor (www.bankrate.com).