| 30 yr fixed | 3.91% |
| 15 yr fixed | 3.17% |
| 5/1 ARM | 2.87% |
| 30 yr refi | 3.98% |
| 15 yr refi | 3.27% |
| $30K HELOC | 4.65% |
| $50K HELOC | 4.26% |
| $30K Home Eq | 5.94% |
| $50K Home Eq | 5.66% |
| $75K Home Eq | 5.63% |
| Low Interest | 10.78% |
| Balance Transfer | 16.14% |
| Rewards | 15.46% |
| Cash Back | 16.40% |
| Business | 13.45% |
| MMA | 0.46% |
| $10K MMA | 0.54% |
| 6 month CD | 0.41% |
| 1 yr CD | 0.63% |
| 5 yr CD | 1.33% |

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.