Rates

Savings

Min. Balance

Dividend Rate

APY

*Dividends are compounded and declared monthly based on available earnings, computed on the average daily balance
*APY=Annual Percentage Yield
*Interest is calculated daily

Regular Shares

$5

.02%

.020%

Christmas Club

$0

.02%

.020%

Money Management Account

$2500

.10%

.100%

IRA Shares

$0

.10%

.100%

Certificates

Term

Min. Deposit

Dividend Rate

APY

*APY=Annual Percentage Yield
*Penalties for early withdrawal
*All rates subject to change without notice

60 Month

$1,000

0.25%

0.250%

48 Month

$1,000

0.25%

0.250%

36 Month

$1,000

0.25%

0.250%

30 Month

$1,000

0.25%

0.250%

24 Month

$1,000

0.25%

0.250%

18 Month

$1,000

0.15%

0.150%

12 Month

$1,000

0.15%

0.150%

6 Month

$1,000

0.10%

0.100%

VISA Platinum Card

A+ Credit

A Credit

B Credit

C Credit

D Credit

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval
*For more information about credit card fees, click here

7.95%

9.25%

12.25%

14%

17%

Mortgage Loans (FIXED)

Term

APR

*APR=Annual Percentage Rate

10 Year

Call for current rates

15 Year

Call for current rates

20 Year

Call for current rates

30 Year

Call for current rates

Home Equity Line of Credit

Rate

APR

*LTV=Loan-to-value Ratio
*Rates effective: Feb 1, 2009
*APR=Annual Percentage Rate

80% LTV*

5%

New Autos

Term

A+ Credit

A Credit

B Credit

C Credit

D Credit

E Credit

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval

1-24 Months

1.49%

2.39%

6.15%

9.15%

14.75%

17.75%

25-36 Months

1.99%

2.65%

6.50%

9.50%

14.90%

17.75%

37-48 Months

1.99%

2.99%

6.75%

9.99%

15.25%

17.75%

49-66 Months

1.99%

3.49%

7.49%

10.49%

15.75%

18.00%

67-72 Months

2.50%

4.99%

7.99%

11.50%

16.50%

18.00%

73-84 Months

3.50%

5.99%

8.15%

13.50%

16.99%

18.00%

Used Autos

Term

A+ Credit

A Credit

B Credit

C Credit

D Credit

E Credit

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval

1-24 Months

1.49%

2.39%

6.15%

9.15%

14.75%

17.75%

25-36 Months

1.99%

2.65%

6.50%

9.50%

14.90%

17.75%

37-48 Months

1.99%

2.99%

6.75%

9.99%

15.25%

17.75%

49-66 Months

1.99%

3.49%

7.49%

10.49%

15.75%

18.00%

67-72 Months

2.50%

4.99%

7.99%

11.50%

16.50%

18.00%

New and Used RVs

Term

Min. Loan

A+ Credit

A Credit

B Credit

C Credit

D Credit

E Credit

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval

1-24 Months

None

1.49%

2.39%

6.15%

9.15%

14.75%

17.75%

25-36 Months

None

1.99%

2.65%

6.50%

9.50%

14.90%

17.75%

37-48 Months

None

1.99%

2.99%

6.75%

9.99%

15.25%

17.75%

49-66 Months

None

1.99%

3.49%

7.49%

10.49%

15.75%

18.00%

67-72 Months

None

2.50%

4.99%

7.99%

11.50%

16.50%

18.00%

73-84 Months

$30,000 or more

3.99%

5.99%

8.15%

13.50%

16.99%

18.00%

Up to 120 Months

$30,000 or more

4.99%

6.49%

8.50%

14.50%

17.25%

18.00%

Motorcycles and Boats

Term

A+ Credit

A Credit

B Credit

C Credit

D Credit

E Credit

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval

1-24 Months

1.49%

2.39%

6.15%

9.15%

14.75%

17.75%

25-36 Months

1.99%

2.65%

6.50%

9.50%

14.90%

17.75%

37-48 Months

1.99%

2.99%

6.75%

9.99%

15.25%

17.75%

49-60 Months

1.99%

3.49%

7.49%

10.49%

15.75%

18.00%

Signature Line of Credit

Term

A+ Credit

A Credit

B Credit

C Credit

D Credit

E Credit

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval

Up to 36 Months

7.95%

9.95%

12%

14.50%

16.50%

18%

Signature Loan

Term

A+ Credit

A Credit

B Credit

C Credit

D Credit

E Credit

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval

Up to 36 Months

8.95%

10.95%

12.50%

15.00%

17.00%

18.00%

Savings-Secured Loans

Share Savings Secured

Dividend Rate + 3%

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval

Share Certificate Secured

Dividend Rate + 3%

New/Used Equipment

Term

Max. Loan

A+ Credit

A Credit

B Credit

C Credit

D Credit

E Credit

*All rates in this table are APR=Annual Percentage Rate
*Subject to credit approval

60 Months

$50,000

6.75%

7.50%

8.75%

12.50%

16.50%

18.00%