| 30 yr fixed | 3.88% |
| 15 yr fixed | 3.21% |
| 5/1 ARM | 2.88% |
| 30 yr refi | 3.96% |
| 15 yr refi | 3.29% |
| $30K HELOC | 4.69% |
| $50K HELOC | 4.30% |
| $30K Home Eq | 6.02% |
| $50K Home Eq | 5.76% |
| $75K Home Eq | 5.74% |
| Low Interest | 10.70% |
| Balance Transfer | 16.13% |
| Rewards | 15.51% |
| Cash Back | 16.54% |
| Business | 13.56% |
| 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.