(MONEY Magazine) – Average MORTGAGES rate

30-year fixed rate 6.16% 15-year fixed rate 5.57 One-year adjustable rate 4.17

Average OTHER LOANS rate

Fixed-rate home-equity loans 7.05% Home-equity lines 4.68 Car loans 6.75

CREDIT CARDS Interest Annual CARDS WITH THE LOWEST RATES rate fee Telephone

Wachovia Bank (N.C.) 4.00% $98 800-922-4684 Pulaski Bank & Trust (Ark.)[1] 4.75 35 800-980-2265 Amalgamated Bank of Chicago (Ill.)[2] 7.50 37 800-723-0303

NO-FEE CARDS WITH THE LOWEST RATES

Simmons First National Bank (Ark.)[1] 8.95 0 800-636-5151 Firstrust Savings Bank (Pa.)[1] 9.90 0 800-220-2265 Malvern Federal Savings Bank (Pa.)[1] 9.90 0 800-204-7437

PREMIUM CARDS WITH LOW RATES[3]

Chase Manhattan Bank USA (Del.) 5.65 0 800-413-5661 BB&T (N.C.) 7.90 0 800-476-4228 Citibank (S.D.) 7.99 0 800-456-4277 Beneficial Mutual Savings Bank (Pa.) 8.99 0 800-762-0974 Bank One (Ill.) 8.99 0 800-436-7979 Average all cards 13.53

CREDIT NOTES AND SOURCES: All rates are subject to change. Credit-card rates are for standard cards as of July 13 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 16 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. [3] Platinum and gold cards.