(MONEY Magazine) – CREDIT CARDS Annual NO-FEE CARDS WITH THE LOWEST RATES Rate fee Telephone (800)

Pulaski Bank & Trust (Ark.)[1] 7.99% $35 980-2265 Wachovia Bank (Del.) 9.00 88 241-7990 Simmons First National Bank (Ark.) 9.95 35 636-5151

CARDS WITH THE LOWEST RATES

Capital One Bank (Va.)[1],[2] 9.90 0 822-3397 Wachovia Bank (Del.) 10.90 0 241-7990 AFBA Industrial Bank (Col.) 11.65 0 776-2265 Average all cards 16.55

Notes: All rates are subject to change. Rates are for standard cards as of April 19 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 8.28% 15-year fixed-rate mortgage 7.96 One-year adjustable-rate mortgage 6.88 Home-equity lines 9.80 Car loans 9.06

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

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