Money Monitor
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(MONEY Magazine) – CREDIT CARDS Annual Telephone Rate Fee (800) CARDS WITH THE LOWEST RATES Pulaski B&T (Ark.) 7.99% $68 980-2265 Wachovia Bank (Del.) 8.00 88 842-3262 Huntington National Bank (Ohio) 9.00 39 480-2265

NO-FEE CARDS WITH THE LOWEST RATES Capital One Bank (Va.)[1, 2] 9.90 -- 822-3397 Wachovia Bank (Del.) 9.90 -- 842-3262 Bank One/First USA (Del.)[1] 9.99 -- 451-2491

AVERAGE ALL CARDS 15.81

Notes and sources: All rates are subject to change. Rates are as of July 16 from HSH Associates (800-873-2837; www.hsh.com). Car-loan rates apply to a new-car loan of $15,000.

LOANS Avg. rate 30-year fixed-rate mortgage 7.68% 15-year fixed-rate mortgage 7.32 One-year adjustable-rate mortgage 6.13 Home-equity lines 8.82 Car loans 8.41

Notes and sources: All rates are subject to change. Rates are for standard cards as of July 21 from bankrate.com and are variable unless otherwise indicated. [1]Fixed rate. [2]Visa only.