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

Cards with the lowest rates

Pulaski Bank & Trust (Ark.)[1] 6.99% $35 800-980-2265 Wachovia Bank (Del.) 7.50 88 800-842-3262 Metropolitan National Bank (Ark.) 9.00 25 800-883-2511

No-fee cards with the lowest rates

Chase Manhattan Bank USA (Del.) 9.15 0 800-413-5661 Wachovia Bank (Del.) 9.40 0 800-842-3262 Capital One Bank (Va.)[1,2] 9.90 0 800-548-4593

AVERAGE ALL CARDS 16.19

MORTGAGES Average rate 30-year fixed rate 7.23% 15-year fixed rate 6.73 One-year adjustable rate 6.11

OTHER LOANS Average rate Fixed-rate home-equity loans 9.11% Home-equity lines 8.41 Car loans 8.73

Credit notes and sources: All rates are subject to change. Credit-card rates are for standard cards as of May 8 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 May 11 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.