Rates

Vehicle/Collateral Loans (Last Modified: Jul 01, 2010)

Type	Term	As Low As
Vehicle/Collateral Loans	Up to 24 Months	2.99%APR*
	Up to 36 Months	3.49%APR*
	Up to 48 Months	3.99%APR*
	Up to 60 Months	3.99%APR*
	Up to 72 Months	5.25%APR*
	Up to 84 Months	5.50%APR*
	Up to 120 Months	7.00%APR*

APR = Annual Percentage Rate.
* Vehicle/Collateral Loan rates apply to all New & Used vehicles including cars, trucks, ATVs, jet skis, snowmobiles, boats and RVs. Stated rates reflect a .25% discount for direct deposit of net pay.

Other Loans (Last Modified: Aug 27, 2010)

Type	Term	As Low As
Personal Loans	Up to 12 Months	7.99%APR*
	Up to 24 Months	8.49%APR*
	Up to 36 Months	8.99%APR*
	Up to 48 Months	9.49%APR*
	Up to 60 Months	9.99%APR*
Overdraft Protection Line		10.25%APR**
Share/Certificate/Money Market Secured Loan	Up to 5 years at share/cert. rate plus 3%	call for rates
Mobile Home Loans (on non-owned land)	Up to 60 months - Fixed	9.49%APR***
	Up to 120 months - Fixed	9.74%APR***
	Up to 180 months - Fixed	9.99%APR***
Land Loans (up to 80% of value)	Up to 5 years - Fixed	7.99%APR***
	Up to 10 years - Fixed	8.24%APR***
	Up to 15 years - Fixed	8.49%APR***

APR = Annual Percentage Rate
*. Minimum loan amount $500. Maximum loan amount $20,000.
** Line available for qualified borrowers up to $5,000. Rate is variable and based on Prime +7%. Maximum Rate 18%.
*** Rates are fixed for the life of the loan. Stated rates reflect a .25% discount for direct deposit of net pay.

Certificates (Last Modified: Aug 27, 2010)

Type	Term	Dividends	Annual Percentage APY
Share Certificate	3 Months	0.50%	0.50% APY*
	6 Months	0.60%	0.60% APY*
	9 Months	0.70%	0.70% APY*
	12 Months	0.80%	0.80% APY*
	18 Months	0.90%	0.90% APY*
	24 Months	1.09%	1.10% APY*
	30 Months	1.29%	1.30% APY*
	36 Months	1.59%	1.60% APY*
	48 Months	2.08%	2.10% APY*
	60 Months	2.47%	2.50% APY*
Liquid Certificate	12 Months	0.80%	0.80% APY**
	15 Months	0.90%	0.90% APY**

APY = Annual Percentage Yield.
* Share certificates carry a penalty for early withdrawal. Fees could reduce the earnings on any account.
** $10,000 Minimum balance required to open. Includes one penalty-free withdrawal per quarter. Fees could reduce the earnings on any account.