(MONEY Magazine) – MORTGAGES Average rate

30-year fixed rate 6.53% 15-year fixed rate 5.84 One-year adjustable rate 4.19

OTHER LOANS Average rate

Fixed-rate home-equity loans 6.79% Home-equity lines 4.71 Car loans 6.74

CREDIT CARDS Interest Annual rate fee Telephone

CARDS WITH THE LOWEST RATES

Pulaski Bank & Trust (Ark.)[1] 4.75% $35 800-980-2265 Amalgamated Bank of Chicago (Ill.)[2] 7.50 37 800-723-0303 Metropolitan National Bank (Ark.) 8.95 35 800-883-2511

NO-FEE CARDS WITH THE LOWEST RATES

Chase Manhattan Bank USA (Del.)[2] 5.65 0 800-413-5661 Simmons First National Bank (Ark.)[1] 8.95 0 800-636-5151 Blue Ball National Bank (Penn.)[1] 9.90 0 800-441-7048

Average all cards 13.84

Credit notes and sources: All rates are subject to change. Credit-card rates are for standard cards as of Aug. 26 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 Aug. 28 from HSH Associates (800-873-2837; hsh.com). Car-loan rates apply to new-car loans of $15,000. [1]Fixed rate. [2]MasterCard only.