Rates

Rates

Loans | Savings | Certificates

Best Available Rates Effective as of 04/30/2008

Loans	Rate	APR* as low as	Term
Vehicles - 2006 & Newer	5.390	5.390	60	Calculator
Vehicles - 2005 & Older	7.000	7.000	60	Calculator
Boat - 2006 & Newer	6.500	6.500	n/a	Calculator
Boat - 2005 & Older	7.500	7.500	n/a	Calculator
Motorcycle	7.500	7.500	n/a	Calculator
Recreational Vehicles	8.000	8.000	n/a	Calculator
Campers, Pop Up, Travel Trailers	8.000	8.000	n/a	Calculator
Motor Home - Up To 60 Months	8.000	8.000	n/a	Calculator
Tractor, Crane, Heavy Equipment	8.000	8.000	n/a	Calculator
Trailers - Livestock & Tractor	8.000	8.000	n/a	Calculator
Lawn Tractor	8.000	8.000	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	9.900	9.900	n/a	Calculator
Co-Maker	12.000	12.000	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)	5.000
First Mortgage 1 Yr Float Var Rate	5.500	0.000	n/a
Second Mortgage 1 Yr Float Var Rate	6.500	0.000	n/a
Property Only 1 Yr Float Var Rate	7.000	0.000	n/a
Property Only Fixed Rate For 5 Years	7.000	0.000	n/a
First Mortgage Fixed Rate for 5 Years	5.500	0.000	n/a
First Mortgage Fixed Rate Over 5 Years***		0.000	n/a
Second Mortgage Fixed Rate***		0.000	n/a
Construction/Permanent First Mortgage
During Construction	6.000	0.000	n/a
Permanent 1 Yr Float Var Rate	5.500	0.000	n/a
Mobile Home With Property Fixed Rate***		0.000	n/a
Mobile Home With Property Var Rate	7.000	0.000	n/a
Home Equity LOC First Mortgage
Less Than 60% LTV	5.500	0.000	n/a
60% to 70% LTV	5.500	0.000	n/a
Home Equity LOC Second Mortgage
Less Than 60% LTV	6.000	0.000	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 11/01/03

Savings	Minimum to Earn Dividend	Minimum Balance	Dividend Rate	APY*	Term
Regular Shares	$100.01	$5.00	1.250	1.260	n/a
Share Draft Accounts	$0.00	$0.00		0.000	n/a
Christmas Club/Special Accounts	$100.01	$0.00	1.250	1.260	n/a

*APY = Annual Percentage Yield
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Rates Effective as of 09/03/2008

Certificates	Minimum Deposit	Dividend Rate	APY*	Term
91 Day Share Certificate	$1000.00	2.50	2.53	91 days
6 Month Share Certificate	$1000.00	2.90	2.94	6 months
12 Month Share Certificate	$1000.00	3.10	3.14	12 months
18 Month Share Certificate	$1000.00	3.15	3.20	18 months
24 Month Share Certificate	$1000.00	3.40	3.45	24 months
30 Month Share Certificate	$1000.00	3.25	3.30	30 months
36 Month Share Certificate	$1000.00	3.25	3.30	36 months
91 Day IRA/ESA Certificate	$250.00	2.50	2.53	91 days
6 Month IRA/ESA Certificate	$250.00	2.90	2.94	6 months
12 Month IRA/ESA Certificate	$250.00	3.10	3.14	12 months
18 Month IRA/ESA Certificate	$250.00	3.15	3.20	18 months
24 Month IRA/ESA Certificate	$250.00	3.40	3.45	24 months
30 Month IRA/ESA Certificate	$250.00	3.25	3.30	30 months
36 Month IRA/ESA Certificate	$250.00	3.25	3.30	36 months

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