(Rates subject to change without notice. Stated loan rates reflect a .25% discount for direct deposit of net pay.)

LOAN PRODUCTS

Vehicle/Collateral Loans	As Low As	Personal Loans	As Low As
Up to 24 Months	3.99%APR*	Up to 12 Months	8.49%APR**
Up to 36 Months	3.99%APR*	Up to 24 Months	9.49%APR**
Up to 48 Months	3.99%APR*	Up to 36 Months	9.75%APR**
Up to 60 Months	4.25%APR*	Up to 48 Months	9.99%APR**
Up to 72 Months	5.25%APR*	Up to 60 Months	10.25%APR**
Up to 84 Months	5.50%APR*
Up to 120 Months	7.00%APR*
*APR or Annual Percentage Rate. Vehicle/Collateral Loan rates apply to all New & Used vehicles including cars, trucks, ATVs, jet skis, snowmobiles, boats and RVs. Up to 110% financing available plus taxes & fees. Terms greater than 72 months available only for current & previous model year and a minimum loan amount of $25,000. Financing terms greater than 84 months available only for Boat and RV loans with a minimum loan amount of $25,000.
**APR or Annual Percentage Rate. Minimum loan amount $500. Maximum loan amount $20,000.
Home Equity Line of Credit	As Low As	Home Loans - Fixed	As Low As
Open-end variable rate	3.99%APR*	Up to 5 years	4.99%APR**
Home Equity Line of Credit	As Low As	Up to 10 years	6.00%APR**
Interest - Only	3.99%APR*	Up to 15 years	6.25%APR**
		Home Loans- Variable	As Low As
		Fixed Rate - First 3 Years	4.75%APR*
Mobile Home Loans (on non-owned land)	As Low As	Fixed Rate - First 5 Years	4.99%APR*
Up to 5 years - Fixed	9.49%APR**	Land Loans (up to 80% of value)	As Low As
Up to 10 years - Fixed	9.74%APR**	Up to 5 years - Fixed	7.99%APR**
Up to 15 years - Fixed	9.99%APR*	Up to 10 years - Fixed	8.24%APR**
		Up to 15 years - Fixed	8.49%APR**
* APR or Annual Percentage Rate. Variable rates are adjusted quarterly based on the prime rate +/- a margin. Rates based on first mortgage lien position. Maximum Rate 18%.
** APR or Annual Percentage Rate. Rates are fixed for the life of the loan and based on first mortgage lien position.
Overdraft Protection Line	10.25%APR***
***APR or Annual Percentage Rate. Line available for qualified borrowers up to $5,000. Rate is variable and based on Prime +7%. Maximum Rate 18%.
Share/Certificate/Money Market Secured Loan - Up to 5 years at share/cert. rate + 3%

SAVINGS PRODUCTS

	Dividend Rate	Annual Percentage Yield
Shares	.35%	.35% APY*
IRAs	.80%	.80% APY*
Money Market	.80%	.80% APY*
Share Certificates
3 Months	1.00%	1.00% APY*
6 Months	1.24%	1.25% APY*
9 Months	1.49%	1.50% APY*
12 Months	1.74%	1.75% APY*
18 Months	1.83%	1.85% APY*
24 Months	1.98%	2.00% APY*
30 Months	2.13%	2.15% APY*
36 Months	2.23%	2.25% APY*
48 Months	2.72%	2.75% APY*
60 Months	3.20%	3.25% APY*
*APY or Annual Percentage Yield. $100 Minimum balance required on Share & IRA accounts to earn dividends. Fees could reduce the earnings on any account. $500 minimum balance on certificates. Share certificates carry a penalty for early withdrawal. $2500 minimum balance to earn dividend on Money Market.
Liquid Certificate
12 Months	1.49%	1.50% APY*
15 Months	1.74%	1.75% APY*
*APY or Annual Percentage Yield. $10,000 Minimum balance required to open. Includes one penalty-free withdrawal per quarter.