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

CARDS WITH THE LOWEST RATES Pulaski Bank & Trust (Ark.)[1] 7.99% $35 980-2265 Wachovia Bank (Del.) 8.50 88 241-7990 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 0 241-7990 Fleet Bank (Pa.)[1,3] 10.99 0 225-5353 Average All Cards 16.29

Notes: All rates are subject to change. Rates are for standard cards as of Jan. 19 from bankrate.com and are variable unless otherwise indicated. Survey does not include Internet-only cards or AmEx Blue. [1]Fixed rate. [2]Visa only. [3]MasterCard only.

LOANS Avg. rate 30-year fixed-rate mortgage 8.36% 15-year fixed-rate mortgage 7.96 One-year adjustable-rate mortgage 6.66 Home-equity lines 9.34 Car loans 8.74

Notes: All rates are subject to change. Rates are as of Jan. 21 from HSH Associates (800-873-2837; www.hsh.com). Car-loan rate applies to new-car loans of $15,000.