| 30 yr fixed | 3.88% |
| 15 yr fixed | 3.20% |
| 5/1 ARM | 2.88% |
| 30 yr refi | 3.95% |
| 15 yr refi | 3.29% |
| $30K HELOC | 4.67% |
| $50K HELOC | 4.28% |
| $30K Home Eq | 5.99% |
| $50K Home Eq | 5.72% |
| $75K Home Eq | 5.70% |
| Low Interest | 10.78% |
| Balance Transfer | 16.14% |
| Rewards | 15.47% |
| Cash Back | 16.44% |
| Business | 13.45% |
| MMA | 0.47% |
| $10K MMA | 0.55% |
| 6 month CD | 0.41% |
| 1 yr CD | 0.64% |
| 5 yr CD | 1.34% |

Michelle Heyward is generous but she needs to balance helping her family out with funding her goals to get out of debt and start her own business.