Loan 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.

Home Equity Line of Credit (Last Modified: Jul 13, 2010)

Home Equity Line of Credit	As Low As
Open-end Variable Rate	3.25%APR*
Interest Only	3.25%APR*

APR = Annual Percentage Rate.
* Adjusted quarterly based on Prime Rate +/- a margin. Rates based on first mortgage lien position. Stated rates reflect a .25% discount for direct deposit of net pay and first mortgage position.

Home Loans - Variable & Fixed (Last Modified: Jul 13, 2010)

Home Loans	As Low As
Variable (Fixed rate - First 3 Years)	4.00%APR*
Variable (Fixed rate - First 5 Years)	4.50%APR*
Fixed - Up to 5 Years	4.50%APR**
Fixed - Up to 10 Years	4.75%APR**
Fixed - Up to 15 Years	4.99%APR**

APR = Annual Percentage Rate.
* Adjusted quarterly after initial fixed rate period based on the Prime Rate +/- a margin. Stated rates reflect a .25% discount for direct deposit of net pay.
** Rates are fixed for the life of the loan. Stated rates reflect a .25% discount for direct deposit of net pay and first mortgage position.

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.