(MONEY Magazine) – CREDIT CARDS Interest rate Annual fee Telephone

Cards with the lowest rates Pulaski Bank & Trust (Ark.)[1] 8.75% $35 800-980-2265 Wachovia Bank (Del.) 9.00 98 800-241-7990 Metropolitan Natl. Bank (Ark.) 10.50 25 800-883-2511

No-fee cards with the lowest rates Capital One Bank (Va.)[1,2] 9.90 0 800-822-3397 Wachovia Bank (Del.) 10.40 0 800-241-7990 First Internet Bank of Indiana (Ind.)[1,2] 12.00 0 888-873-3424

Average all cards 17.11

MORTGAGES Average rate 30-year fixed rate 7.33% 15-year fixed rate 6.89 One-year adjustable rate 6.70

OTHER LOANS Average rate

Fixed-rate home-equity loans 9.67% Home-equity lines of credit 10.02 Car loans 9.38

Money Monitor Notes and Sources: All rates are subject to change. Credit card rates are for standard cards as of Jan. 16 from Bankrate.com and are variable unless otherwise indicated. Survey does not include Internet-only cards or AmEx Blue. Mortgage and other loan rates are as of Jan. 23 from HSH Associates (800-873-2837; www.hsh.com). Car loan rates apply to new car loans of $15,000. [1]Fixed rate. [2]Visa only.