(MONEY Magazine) – CREDIT CARDS

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Cards with the lowest rates

Pulaski Bank & Trust (Ark.)[1] 6.50% $35 800-980-2265 Wachovia Bank (Del.) 6.75 88 800-842-3262 Simmons First National Bank (Ark.) 8.25 35 800-636-5151

No-fee cards with the lowest rates

Chase Manhattan Bank USA (Del.)[2] 8.65 0 800-413-5661 Capital One Bank (Va.)[1,3] 9.90 0 800-548-4593 Generations Bank (Mo.)[1,3] 9.90 0 877-788-3520 AVERAGE ALL CARDS 15.24

Average MORTGAGES rate

30-year fixed rate 7.42% 15-year fixed rate 6.94 One-year adjustable rate 6.13

Average Other loans rate

Fixed-rate home-equity loans 8.91% Home-equity lines 7.75 Car loans 8.60

Credit notes and sources: All rates are subject to change. Credit card rates are for standard cards as of July 3 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 July 6 from HSH Associates (800-873-2837; www.hsh.com). Car loan rates apply to new car loans of $15,000. [1]Fixed rate. [2]MasterCard only. [3]Visa only.