(MONEY Magazine) – Average MORTGAGES rate

30-year fixed rate 5.80% 15-year fixed rate 5.13 One-year adjustable rate 3.79

Average OTHER LOANS rate

Fixed-rate home-equity loans 6.96% Home-equity lines 4.68 Car loans 6.80

Interest Annual CREDIT CARDS 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

Simmons First National Bank (Ark.)[1] 8.95 0 800-636-5151 Blue Ball National Bank (Pa.)[1] 9.90 0 800-441-7048 Firstrust Savings Bank (Pa.)[1] 9.90 0 800-220-2265 Average all cards 13.85

CREDIT NOTES AND SOURCES: All rates are subject to change. Credit-card rates are for standard cards as of Jan. 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 Jan. 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.

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