Low Loan Rates Around the U.S

Kiplinger's Personal Finance Magazine, Dec, 1998

Pittsburgh            LENDER

Fixed-rate 30-year    NorthSide
One-year ARM          National City
Home-equity line      Parkvale Savings
Car loan              Fidelity

Tampa

Fixed-rate 30-year    First Union
One-year ARM          SunTrust Tampa Bay
Home-equity line      NationsBank
Car loan              Sunshine State

Omaha

Fixed-rate 30-year    US Bank
One-year ARM          First National
Home-equity line      US Bank
Car loan              First National

Las Vegas

Fixed-rate 30-year    California Federal
One-year ARM          First Arizona Savings
Home-equity line      Nevada State
Car loan              Nevada State

San Diego

Fixed-rate 30-year    California Federal
One-year ARM          Washington Mutual
Home-equity line      Grossmont
Car loan              Washington Mutual

Pittsburgh            RATE/DESCRIPTION (INDEX PLUS MARGIN)

Fixed-rate 30-year    6.5%/1 pt.
One-year ARM          4.75% (Treasury index + 2.88)
Home-equity line      6.15%/one year, $5,000 minimum (prime + 1.5)
Car loan              7.49%

Tampa

Fixed-rate 30-year    6.88%/1 pt.
One-year ARM          5.5%/1 pt.(Treasury index + 2.88)
Home-equity line      6.99%/6 mos., $5,000 minimum (prime + 1)
Car loan              8.25%

Omaha

Fixed-rate 30-year    6.63%/1.13 pts.
One-year ARM          4.5%/2 pts. (Treasury index + 2.75)
Home-equity line      9.25%/$5,000 minimum (prime + 1)
Car loan              8.2%

Las Vegas

Fixed-rate 30-year    6.38%/2.99 pts.
One-year ARM          5.25%/(Treasury index + 2.75)
Home-equity line      6.25%/6 mos. (prime + 1)
Car loan              8.15%

San Diego

Fixed-rate 30-year    6.28%/2.99 pts.
One-year ARM          5.5%/1 pt. (Treasury index + 2.88)
Home-equity line      5.95%/6 mos., $10,000 minimum (prime + 1.25)
Car loan              8.25%/$60 fee

                      TELEPHONE
Pittsburgh            NUMBER

Fixed-rate 30-year    412-231-6900
One-year ARM          800-352-0186
Home-equity line      412-373-7200
Car loan              412-367-3300

Tampa

Fixed-rate 30-year    800-735-1012
One-year ARM          813-224-2222
Home-equity line      800-628-4667
Car loan              813-752-6193

Omaha

Fixed-rate 30-year    800-392-2412
One-year ARM          402-341-0500
Home-equity line      800-934-9555
Car loan              402-341-0500

Las Vegas

Fixed-rate 30-year    800-225-3334
One-year ARM          602-481-8500
Home-equity line      702-383-0009
Car loan              702-383-0009

San Diego

Fixed-rate 30-year    800-225-3334
One-year ARM          800-788-7000
Home-equity line      619-623-3140
Car loan              800-788-7000

RATE BENCHMARKS (as of Oct. 20): PRIME: 8% 11TH DISTRICT COST OF FUNDS INDEX: 4.91% ONE-YEAR TREASURY INDEX: 4.14%

Survey was conducted Oct. 14. Mortgages are limited to a maximum amount of $227,150. Car-loan rates are for 48-month new-car loans of $16,000 with 20% down. For more cities, check www.kiplinger.com (click on "Yields & Rates")