(MONEY Magazine) – CREDIT CARDS Annual CARDS WITH THE LOWEST RATES Rate fee Telephone (800)

Pulaski Bank & Trust (Ark.)[1] 7.99% $35 980-2265 Wachovia Bank (Del.) 9.50 88 241-7990 Simmons First National Bank (Ark.) 10.95 35 636-5151

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 AFBA Industrial Bank (Col.) 11.65 0 776-2265 Average all cards 16.86

Notes: All rates are subject to change. Rates are for standard cards as of May 17 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 8.82% 15-year fixed-rate mortgage 8.53 One-year adjustable-rate mortgage 7.37 Home-equity lines 10.09 Car loans 9.24

Notes: All rates are subject to change. Rates are as of May 23 from HSH Associates (800-873-2837; www.hsh.com). Car-loan rate applies to new-car loans of $15,000.

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