(MONEY Magazine) – Annual Telephone CREDIT CARDS Rate fee (800)

CARDS WITH THE LOWEST RATES Pulaski Bank & Trust (Ark.) 7.99% $68 980-2265 Wachovia Bank (Del.) 8.25 88 842-3262 Huntington National Bank (Ohio) 9.25 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.) 9.90 0 451-2491 Average All Cards 16.22

Notes and sources: Rates are subject to change. Rates are for standard cards as of Oct. 20 from bankrate.com and are variable unless otherwise indicated. Survey does not include Internet-only cards or American Express Blue. [1]Fixed rate. [2]Visa only.

LOANS AVG. RATE

30-year fixed-rate mortgage 8.07% 15-year fixed-rate mortgage 7.68 One-year adjustable-rate mortgage 6.49 Home-equity lines 8.59 Car loans 9.09

Notes and sources: All rates are subject to change. Rates are as of Oct. 22 from HSH Associates (800-873-2837; www.hsh.com). Car-loan rate applies to new-car loans of $15,000.