Rates

Rates

Loans | Savings | Certificates

Best Available Rates Effective as of 01/10/2011

Contact us about our special Promotional Rates for 2006 and newer vehicles, boats, motorcycles, RVs and campers at (850) 227-1156 or toll-free at 1-877-874-0007!

Loans	Rate	APR* as low as	Term
Vehicles - 2010 & Newer	4.000	4.000	60	Calculator
Vehicles - 2006 to 2009	5.500	5.500	60	Calculator
Vehicles - 2005 & Older	9.000	9.000	48	Calculator
Boat - 2010	7.000	7.000	n/a	Calculator
Boat - 2009 & Older	7.500	7.500	n/a	Calculator
Motorcycle	7.250	7.250	n/a	Calculator
Recreational Vehicles	7.500	7.500	n/a	Calculator
Campers, Pop Up, Travel Trailers	7.500	7.500	n/a	Calculator
Motor Home - Up To 60 Months	7.500	7.500	n/a	Calculator
Tractor, Crane, Heavy Equipment	8.250	8.250	n/a	Calculator
Trailers - Livestock & Tractor	8.750	8.750	n/a	Calculator
Lawn Tractor	8.750	8.750	n/a	Calculator
Motor Home - 60 To 120 Months**		0.000	n/a
Airplane***		0.000	n/a
Signature	9.900	9.900	n/a	Calculator
Personal LOC	9.900	9.900	n/a	Calculator
Consolidation	10.500	10.500	n/a	Calculator
Co-Maker	10.250	10.250	n/a	Calculator
Visa	9.900	9.900	n/a	Calculator
Share Secured - Share Rate Plus...	3.000	0.000	n/a
Share Certificate Secured - Certificate Rate Plus...	2.000	0.000	n/a
Prime Rate (****See Disclosure Below)	3.250
First Mortgage 1 Yr Float Var Rate	5.500	5.500	n/a
Second Mortgage 1 Yr Float Var Rate	5.500	5.500	n/a
Property Only 1 Yr Float Var Rate	7.000	7.000	n/a
Property Only Fixed Rate For 5 Years	7.000	7.000	n/a
First Mortgage Fixed Rate for 5 Years	5.500	5.500	n/a
First Mortgage Fixed Rate Over 5 Years***		0.000	n/a
Second Mortgage Fixed Rate***		0.000	n/a
Mobile Home With Property Fixed Rate***		0.000	n/a
Mobile Home With Property Var Rate	7.000	7.000	n/a
Home Equity LOC First Mortgage
Less Than 60% LTV	5.500	5.500	n/a
60% to 70% LTV	5.500	5.500	n/a
Home Equity LOC Second Mortgage
Less Than 60% LTV	5.500	5.500	n/a

IMPORTANT NOTICE: Rates listed are the lowest rates available and are determined by applicant's credit score.

*APR = Annual Percentage Rate
**Rates determined by Loan Review Committee
***Requires Board Approval

****New Loan Floor Houses: 5.500%, New Loan Floor Property Only: 7.000%, New Loan Floor Mobile Home: 7.000%.

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Rates Effective as of 02/01/2012

Savings	Minimum to Earn Dividend	Minimum Balance	Dividend Rate	APY*	Term
Regular Shares	$100.01	$5.00	0.100	0.100	n/a
Share Draft Accounts	$0.00	$0.00	n/a	n/a	n/a
Christmas Club/Special Accounts	$100.01	$0.00	0.100	0.100	n/a

*APY = Annual Percentage Yield
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Rates Effective as of 10/04/2011

Certificates	Minimum Deposit	Dividend Rate	APY*	Term
91 Day Share Certificate	$1000.00	0.20	0.20	91 days
6 Month Share Certificate	$1000.00	0.25	0.25	6 months
12 Month Share Certificate	$1000.00	0.35	0.35	12 months
18 Month Share Certificate	$1000.00	0.40	0.40	18 months
24 Month Share Certificate	$1000.00	0.45	0.45	24 months
30 Month Share Certificate	$1000.00	0.50	0.50	30 months
36 Month Share Certificate	$1000.00	0.50	0.50	36 months
91 Day IRA/ESA Certificate	$250.00	0.20	0.20	91 days
6 Month IRA/ESA Certificate	$250.00	0.25	0.25	6 months
12 Month IRA/ESA Certificate	$250.00	0.35	0.35	12 months
18 Month IRA/ESA Certificate	$250.00	0.40	0.40	18 months
24 Month IRA/ESA Certificate	$250.00	0.45	0.45	24 months
30 Month IRA/ESA Certificate	$250.00	0.50	0.50	30 months
36 Month IRA/ESA Certificate	$250.00	0.50	0.50	36 months

*APY = Annual Percentage Yield
**Members age 55 and over receive an increase of 0.05% per rate
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