(MONEY Magazine) – CREDIT CARDS

Rate Annual Telephone fee CARDS WITH THE LOWEST RATES Pulaski Bank & Trust (Ark.)[1] 8.75% $35 800-980-2265 Wachovia Bank (Del.) 9.50 88 800-241-7990 USAA Savings Bank (Nev.) 10.50 45 800-922-9092

NO-FEE CARDS WITH THE LOWEST RATES

Capital One Bank (Va.)[1,2] 9.90 0 800-822-3397 Wachovia Bank (Del.) 10.90 0 800-241-7990 First Internet Bank of Indiana[1,2] 12.00 0 888-873-3424

Average all cards 17.36

Notes: All rates are subject to change. Rates are for standard cards as of Dec. 5 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.

MORTGAGES

Avg. rate

30-year fixed rate 7.56% 15-year fixed rate 7.22 One-year adjustable rate 7.10

OTHER LOANS

Avg. rate

Home-equity lines 10.27% Fixed-rate home-equity loans 10.04 Car loans 9.45

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