(MONEY Magazine) – Average MORTGAGES rate

30-year fixed rate 5.78% 15-year fixed rate 5.11 One-year adjustable rate 3.70

Average OTHER LOANS rate

Fixed-rate home-equity loans 6.94% Home-equity lines 4.69 Car loans 6.77

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

PREMIUM CARDS WITH LOW RATES[3]

Chase Manhattan Bank USA (Del.) 5.65 0 800-413-5661 Branch Banking and Trust (N.C.) 7.90 0 800-476-4228 Citibank (S.D.) 7.99 0 800-456-4277 Capital One Bank (Va.)[1] 8.90 0 800-548-4593 Bank One (Ill.) 8.90 0 800-436-7979 Average all cards 13.81

CREDIT NOTES AND SOURCES: All rates are subject to change. Credit-card rates are for standard cards as of Feb. 10 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 Feb. 13 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.