(MONEY Magazine) – Credit Cards

CARDS WITH THE LOWEST RATES Rate Annual fee Telephone (800)

Pulaski Bank & Trust (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 0 822-3397 Wachovia Bank (Del.) 9.90 0 842-3262 Bank One/First USA (Del.)[1] 9.99 0 451-2491 Average All Cards 16.00

Notes and sources: All rates are subject to change. Rates are for standard cards as of Aug. 18 from bankrate.com and are variable unless otherwise indicated. [1]Fixed rate. [2]Visa only.

LOANS Avg. rate 30-year fixed-rate mortgage 7.98% 15-year fixed-rate mortgage 7.60 One-year adjustable-rate mortgage 6.25 Home-equity lines 8.64 Car loans 8.48

Notes and sources: All rates are subject to change. Home-loan rates are as of Aug. 25; car-loan rates are as of Aug. 13; all from HSH Associates (800-873-2837; www.hsh.com). Car-loan rates apply to new-car loans of $15,000.