Consumer Loan Rates:   Effective September 1,  2010

*APR - ANNUAL PERCENTAGE RATE - Rate based on credit history, term selected, and loan to value ratio.

New Auto
Term Rates as low as (APR*)
Up to 12 Months 2.99%
13 - 24  2.99%
25 - 36 3.49%
37 - 48 3.49%
49 - 60  3.99%
61 - 72 5.50%
73 - 78 6.50%
79 - 84 6.50%

**$5.00 minimum share account balance required to apply for a loan.

Used Auto -  up to 2005 Model
Term Rates as low as (APR*)
Up to 12 Months 2.99%
13 - 24  2.99%
25 - 36 3.49%
37 - 48 3.49%
49 - 60  3.99%
61 - 72 5.99%
   
    

**$5.00 minimum share account balance required to apply for a loan.

New & Used Motorcycle up to 2005 Model
Term Rates as low as (APR*)
Up to 36 Months 5.50%
37 - 66 6.00%

**$5.00 minimum share account balance required to apply for a loan.

125% Financing New & Used
Term Rates as low as (APR*)
New Auto  - Up to 60 Months 10.50%
Used Auto - Up to 60 Months 10.75%

**$5.00 minimum share account balance required to apply for a loan.

Personal Loans
Term Rates as low as (APR*)
Up to 12 Months 9.75%
13-24 9.75%
25-36 11.75%
37-48 11.75%
49-60 11.75%

**$5.00 minimum share account balance required to apply for a loan.

Life Style Loan
Term Rates as low as (APR*)
Up to 60 Months 8.25%

**$5.00 minimum share account balance required to apply for a loan.

Recreational Vehicle Loan
Term Rates as low as (APR*)
Up to 36 Months 6.50%
37 - 60 6.50%
61 - 84 7.50%
85 - 120 8.50%

**$5.00 minimum share account balance required to apply for a loan.

Home Improvement Loan - Maximum Loan Amount $10,000
Term Rates as low as (APR*)
Up to 12 Months 7.75%
13 - 24 7.75%
25 - 36 9.75%
37 - 48 9.75%
49 - 60 9.75%

**$5.00 minimum share account balance required to apply for a loan.

Home Equity Loans - 80%
Term Rates as low as (APR*)
Up to 60 Months 4.25%
61 - 120 4.99%
121 - 180 5.75%
240 6.50%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 5.99% APR results in 60 monthly payments of approximately $387.00.

Home Equity Loans - 90%
Term Rates as low as (APR*)
Up to 60 Months 7.25%
61 - 120 7.75%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 5.99% APR results in 60 monthly payments of approximately $387.00.

Home Equity Loans - 100%
Term Rates as low as (APR*)
Up to 60 Months 10.00%
61 - 120  10.50%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 5.99% APR results in 60 monthly payments of approximately $387.00.

Regular Rates not available-as low as

HELOC -  4.00% - this is a variable rate loan
Disclosure  
75% 100k - 150k
80% 10k - 100k
90%  10k -  50k
Condo 75% 10k - 100k

**$5.00 minimum share account balance required to apply for a loan.
Maximum loan amount $150,000.  Maximum rate 18.0%.  $35.00 annual fee.

Overdraft Protection
Term Rates as low as (APR*)
Open ended - Line of Credit 18.00%

**$5.00 minimum share account balance required to apply for a loan.

Share Secured
Term Rates as low as (APR*)
Up to 12 Months Share 1 Rate + 3.00%
13 - 24 Share 1 Rate + 4.00%
25 - 60 Share 1 Rate + 5.00%

**$5.00 minimum share account balance required to apply for a loan.

Certificate Secured
Term Rates as low as (APR*)
Up to 60 Months Certificate Rate + 3.00%

**$5.00 minimum share account balance required to apply for a loan.

VISA Credit Card - Platinum
Disclosure APR*
Rate is a variable rate based on member's creditworthiness 8.99%* - 17.99%*
   
   

**$5.00 minimum share account balance required to apply for a loan.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.