(MONEY Magazine) – CREDIT CARDS Annual CARDS WITH THE LOWEST RATES Rate fee Telephone (800) Pulaski Bank & Trust (Ark.) 7.99% $35 980-2265 Wachovia Bank (Del.) 8.50 88 842-3262 Metropolitan National Bank (Ark.) 9.48 25 883-2511

NO-FEE CARDS WITH THE LOWEST RATES

Capital One Bank (Va.)1,2 9.90 0 822-3397 Wachovia Bank (Del.) 10.90 0 842-3262 Fleet Bank (Pa.)1,3 10.99 0 225-5353 Average All Cards 15.97

Notes: All rates are subject to change. Rates are for standard cards as of Dec. 15 from bankrate.com and are variable unless otherwise indicated. Survey does not include Internet-only cards or American Express Blue. 1Fixed rate. 2Visa only. 3MasterCard only.

LOANS Avg. rate

30-year fixed-rate mortgage 7.93% 15-year fixed-rate mortgage 7.54 One-year adjustable-rate mortgage 6.46 Home-equity lines 9.30 Car loans 8.68

Notes: All rates are subject to change. Rates are as of Dec. 14 from HSH Associates (800-873-2837; www.hsh.com). Car-loan rate applies to new-car loans of $15,000.