Well, I think your choices are pretty obvious.
1. Pay down your credit card debt and don’t run a balance ever again.
2. Leave the rest in a money market account or that checking account with a 2% interest rate. See if you have the discipline not to touch it. (By the way, 2% is an amazing rate for a checking account — are you sure?)
3. A car loan at 4.5% is NOT low interest! Most new cars come with zero interest rate financing. If you “just” bought it, you might want to complain! They are making a lot of money on you!
4. Make sure your IRA is invested appropriately — that’s where you should be looking for growth.