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<br />5.30
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<br />20.24
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<br />4.59
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<br />0.85
<br />19.76
<br />4.45
<br />3.99
<br />1.28
<br />1.25
<br />1.17
<br />2.36
<br />6.38
<br />1.90
<br />12.14
<br />7.20
<br />1.69
<br />3.31
<br />Interest Rates
<br />Banks or savings Institutions iwt995ttl low interest rates offering
<br />bank credit cards nationally. Rates shown artier regular, not
<br />premium cards. Though not listed, some cards may be through
<br />affiliate or agent banks. Temporary or promotional Interest
<br />rates are excluded. Grace period (interest free period for.
<br />cardholders paying purchase balance in full each month) is
<br />calculated from the date of billing unless footnoted.
<br />• -. lat. Annual Greco
<br />Bank / Location Rare Fee Days
<br />Pulaski B&T, Little Rodc, Ark. v$.75% 35.00f 25
<br />Wachovia Banc, Atlanta, Ga. • v9.00 08.00 25
<br />Oak Brook Bank, Oak Brook, Ill. pv9.00 17.00 25
<br />Wachovta Bank, Atlanta, Ga. pv9.00 18.00 25
<br />Metropolitan Nati, Little Rock, Ark. v9.96 25.00 25
<br />Federal Savings Bank, Rogers, Ark. v10.20 33.00 25
<br />SimmonsFrstNatl, Pine Bluff, Ark. v10.25 35.00 ; 25
<br />ArkFedCrdtSvc:s„ Little Rock, Ark. v10.75 : 35.00 ' 25
<br />CentralCarolinaBnk, Columbus Ga. v11.50 29.00 25
<br />AFBA Indus Bnk, Colorado Sp., Colo. v11.50 35.00 25
<br />Amalgamated Trst Bn k, Chicago v11.75 37.00 25
<br />AFBA Indus Bnk, Colorado Sp., Co. pv11.90 0.00 25
<br />First Union Bank, Charlotte, N.C. v11.90 .39.00 25
<br />Wachovia Bank, Atlanta, Ge. v11.90 39.00 25
<br />PNC Nati Bank, Wilmington, Del. v12.75 18.00 25
<br />Union Planters Bnk, Memphis, Tenn. v12.75 29.00 25
<br />Horizon Bank & Trust, Austin, Texas v1290 0.00 25
<br />USAA FSB, San Antonio, Texas v13.04 0.00 25
<br />Crestar Bards, Richmond, Va. f13.90 20.00 25
<br />Banc One, Columbus, Ohio f13.90 25.00 25
<br />People's Bank, Bridgeport, Conn. k13.90 25.00 25
<br />FirstVirginia8nk, Falls Church, Va. f14.70 0.00 25
<br />AmericanBnk, NA., St. Paul, Minn. f14.90 0.00 25
<br />First of Amerka, Kalamazoo, Mich. f14.90 0.00 . 25
<br />Oak Brook Bank, Oak Brook, III. v14.90 0.00 25
<br />Banks offering credit cards nationally with no annual fee.
<br />Interest Rate Grace
<br />Bk 'AAFB+ 9
<br />/IndustrialDays Location Stradvre
<br />Banc, Colorado Sp., Co. Prime % 25
<br />Horizon Bank & Trust, Austin, Texas Prime +3.65% 25
<br />USAA Fed Savings. San Antonio, Texas 26 wk TB +7% 25
<br />First Virginia Bank, Falls Church, Va. 14.70%-Fixed 25
<br />American Bank N.A., St. Paul, Minn. 14.90%-Fixed 25
<br />First of America, Kalamazoo, Mich. 14.90%-Fixed 25
<br />Oak Brook Bank, Oak Brook, III. Prinz +5.90% 25
<br />Bnk of NY/Cnsmrs Edg, Newark, Del. Prime +5.90% z0
<br />Amalgamated Trust Bank, Chicago Prime +6.00% 25
<br />Vermont Nati Bank, Brattleboro, Vt. Prime +6.40% 25
<br />interest rates offered by the ten largest U.S. issuers.
<br />Int. Annual Fee Grace
<br />Bank Rate Regular Premium Days
<br />Citicorp 16.40-21.90% n$20.00 r550.00 30
<br />Grnwd Trst/Dscvr 17.90-19.1)3 0.00 40.00 25
<br />MBNA America 17.90-19.80 20.00 40.00 25
<br />AT&T Universal 17.90-18.90 n20.00 n40.00 25
<br />First Chicago 18.90-19.80 0.00 0.00 25
<br />First USA 13.10-18.90 0.00 0.00 25
<br />Household Bank 16.40-19.40 0.00 39.00 25
<br />Chase Manhattan 18.40-19.40 n20.00 n50.00 30
<br />Chemical Bank 16.80-17.80 n20.00 40.00 25
<br />Bank of America 16.90-19.80 n18.00 18.00 30
<br />c-Higher rate charged for cash advances. d-Security deposit
<br />rewired. e-Estimated amount, actual fees not disclosed.
<br />r-Relationship rewired. s-Special lower rate available on
<br />some cards. t-Tiered (or lower) rates based on account
<br />balance. u - Monthly user fee applies. v - Variable rate. w-Fee
<br />waived under special conditions. x-Interest charged from date
<br />of purchase. z-Interest charged from date of posting.
<br />CP-High grade commercial paper rate. Prime -Prime rate.
<br />QA-Quarterly average. TB -Treasury B111 rate. TTIA-Top Ten
<br />Issuers Average.
<br />Source: RAM Research Bankcard Update/Barometer,
<br />Frederick, Md.
<br />1 4fl
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