(MONEY Magazine) – MORTGAGES Average rate 30-year fixed rate 5.95% 15-year fixed rate 5.37 One-year adjustable rate 4.14

OTHER LOANS Average rate

Fixed-rate home-equity loans 7.47% Home-equity lines 4.96 Car loans 7.19

Interest Annual CREDIT CARDS rates fee Telephone

Cards with the lowest rates

Wachovia Bank (N.C.)[1] 4.25% $98 800-922-4684 Pulaski Bank & Trust (Ark.)[2] 5.50 35 800-980-2265 Amalgamated Bank of Chicago (Ill.) 7.50 37 800-723-0303

No-fee cards with the lowest rates

Chase Manhattan Bank USA (Del.)[3] 5.90 0 800-413-5661 First Union National Bank (N.C.)[1] 10.24 0 800-377-3404 Wachovia Bank (N.C.)[1] 10.24 0 800-922-4684 Average all cards 13.46

Credit notes and sources: Graphic data are for trailing 12 months as of Feb. 14. Mortgage and other loan rates are from HSH Associates (800-873-2837; www.hsh.com). Car-loan rates apply to new-car loans of $15,000. All rates are subject to change. Credit-card rates are for standard cards as of Feb. 11 from Bankrate.com and are variable unless otherwise indicated. Survey does not include Internet-only cards or AmEx Blue. [1]Visa only. [2]Fixed rate. [3]MasterCard only.