Well, considering Prime just went up to 5.75%, depending on your credit, you'd probably be better off with either a Home Equity Line of Credit or a Signature Loan. Neither of those should go above 9%. Credit cards are easier to deal with, but they usually have rates of 20% or higher. Oh, and try your local credit union first. Then your bank, then a national lender. That's the order of rate quality. It's also usually the reverse order of servicing quality.

(taking you way more seriously than you thought, right?)