(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.) 8.00 88 800-241-7990 Huntington National Bank (Ohio) 9.00 39 800-480-2265

NO-FEE CARDS WITH THE LOWEST RATES

Capital One Bank (Va.)[1],[2] 9.90 0 800-822-3397 Bank One/First USA (Del.)[1] 9.99 0 800-451-2491 AFBA Industrial (Colo.) 11.40 0 800-776-2265 AVERAGE ALL CARDS 16.29

BORROWING

LOAN Avg. rate 30-year fixed-rate mortgage 6.93% 15-year fixed-rate mortgage 6.56 One-year adjustable-rate 5.71 Home-equity lines 8.94 Car loans 8.57

Notes and sources: All rates are subject to change. Loan rates are as of Nov. 25 from HSH Associates (800-873-2837; www.hsh.com). Car-loan rates apply to new-car loans of $15,000. Credit-card rates are for standard cards as of Nov. 24 from Bank Rate Monitor (www.bankrate.com) and are variable unless otherwise indicated.

[1]Fixed rate [2]Visa only