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

CARDS WITH THE LOWEST RATES

Pulaski Bank & Trust (Ark.)[1] 8.75% $35 980-2265 Wachovia Bank (Del.) 9.50 88 241-7990 USAA Savings Bank (Nev.) 10.50 45 922-9092

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 First Internet Bank of Indiana (Ind.)[2] 12.00 0 873-2424[3] Average all cards 17.43

Notes: All rates are subject to change. Rates are for standard cards as of Aug. 9 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]Area code 888.

MORTGAGES Avg. rate

30-year fixed-rate mortgage 8.14% 15-year fixed-rate mortgage 7.88 One-year adjustable-rate mortgage 7.33

OTHER LOANS Avg. rate

Home-equity lines 10.26% Fixed-rate home-equity loans 10.00 Car loans 9.49

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