Rates

Rates are subject to change without notice.

Loans	APR	Calculator
New Auto, RV, Boat & Motorcycle (2008 and newer with less than 5000 miles)	3.99%-15.49%	Calculator
Used Auto, RV, Boat & Motorcycle (2006-2007)	3.99%-15.49%	Calculator
Used Auto, RV, Boat & Motorcycle (2003-2005)	3.99%-15.49%	Calculator
Older Auto (7 years and older)	8.50%-17.25%	Calculator
Signature Loans	8.95%-17.95%	Calculator
Share Secured Loans: 3% above current dividend rate	Variable	Calculator
Share Certificate of Deposit Secured Loans: 3% above current dividend rate	Variable	Calculator
Mortgage Rates (Fixed Rates) - 1st Mortgage	Call for rates	Calculator
Mortgage Rates (Fixed Rates) - 2nd Mortgage	Call for rates	Calculator
Home Equity Line of Credit (Variable) - Based on Prime Rate**	5.00% - 13.50%	Calculator

Rates and terms may be different as determined by the individual creditworthiness of each applicant. All rates and terms are subject to change without notice. The Annual Percentage Rate (APR) you receive will be based on your credit qualifications at the time of the loan. We are an Equal Housing and Equal Opportunity Lender. **Prime Rate 5.00% as of September 15, 2008.

Savings	Dividend Rate	APY
6 Month Certificate	.90%	.90%
12 Month Certificate	1.09%	1.10%
18 Month Certificate	1.19%	1.20%
24 Month Certificate	1.49%	1.50%
Accum. IRA	.85%	.85%
12 Month IRA Certificate	1.19%	1.20%
18 Month IRA Certificate	1.29%	1.30%
24 Month IRA Certificate	1.59%	1.60%
Savings ($49.99 or less)	-	-
Tier 1 Savings ($50.00 to $4,999.99)	0.10%	0.10%
Tier 2 Savings ($5,000.00 to $9,999.99)	0.35%	0.35%
Tier 3 Savings ($10,000.00 to $24,999.99)	0.65%	0.65%
Tier 4 Savings ($25,000.00 and above)	0.75%	0.75%
Checking ($100.00 and above)	0.50%	0.50%
Christmas Club	0.75%	0.75%

All rates and terms are subject to change without notice. The Annual Percentage Yield (APY) is based on the assumption that dividends will remain on deposit until maturity. A withdrawal will reduce earnings. Your account will mature within the term or at the maturity date set forth on your certificate or receipt or renewal notice. This account will not automatically renew at maturity. If you do not renew the account, the funds will be placed in a dividend-bearing Savings account. A penalty may be imposed if you withdraw any of the principal before the maturity or renewal date. The penalty will equal 90 days dividends on the amount withdrawn. We may deduct any applicable penalty from your principal in the account if required. Dividends are calculated using the "Average Daily Balance" method and are posted monthly.