(MONEY Magazine) – CREDIT CARDS CARDS WITH THE LOWEST RATES

Rate Annual fee Telephone

Wachovia Bank (Del.) 7.75% $88 800-842-3262 Huntington National Bank (Ohio) 8.75 39 800-480-2265 USAA Savings Bank (Nev.) 8.75 45 800-922-9092

NO-FEE CARDS WITH THE LOWEST RATES

Capital One Bank (Va.)[1, 2] 9.90 0 800-822-3397 Wachovia Bank (Del.) 9.90 0 800-842-3262 Bank One/First USA (Del.)[1] 9.99 0 800-451-2491 AVERAGE ALL CARDS 15.63

BORROWING

LOAN Avg. rate

30-year fixed-rate mortgage 6.87% 15-year fixed-rate mortgage 6.50 One-year adjustable-rate 5.70 Home-equity lines 8.68 Car loans 8.45

Notes: All rates are subject to change. Loan rates are as of Jan. 22 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 Jan. 19 from Bank Rate Monitor (www.bankrate.com) and are variable unless otherwise indicated [1]Fixed rate [2]Visa only