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Rates

Loans | Savings | Certificates

Effective as of January 20 2012
Rates subject to change without notice

Loans	Minimum Loan Amount	Maximum Loan Amount	Rate	APR*	Term
Home Improvement	15.000.00	40.000.00	5.75	5.75	60	Calculator
Home Improvement	15,000.00	40,000.00	6.00	6.00	120	Calculator
Home Improvement	15,000.00	40.000.00	6.50	6.50	180	Calculator
Home Equity Line of Credit - Variable Rate	20,000.00	150000.00	3.25	3.25	120	Calculator
Home Equity Loan	20,000.00	150000.00	5.25	5.25	60	Calculator
Home Equity Loan	20,000.00	150000.00	5.75	5.75	120	Calculator
Home Equity Loan	20,000.00	150000.00	6.00	6.00	180	Calculator
New Auto Loan		90% of NADA or purchase and sales.	3.25*	3.25*	24	Calculator
New Auto Loan		90% of NADA or purchase ansd sales	3.50*	3.50*	48	Calculator
New Auto Loan		90% of NADA or purchase and sales.	4.00*	4.00*	60	Calculator
Used Auto Loan		90% of NADA or purchase and sales.	4.00*	4.00*	24	Calculator
Used Auto Loan		90% of NADA or purchase and sales.	4.50*	4.50*	48	Calculator
Used Auto Loan		90% of NADA or purchase and sales.	4.50*	4.50*	60	Calculator
Personal - Unsecured		$15000.00	10.75	10.75	48	Calculator
Personal - Passbook Loans		Up to passbook balance	2.00	2.00	18	Calculator
Personal - Passbook Loans		Up to passbook balance	3.00	3.00	60	Calculator
Personal - Passbook Loans		Up to passbook balance	5.00	5.00	84	Calculator
Recreational Vehicle/Boat New & Used		$55000.00	6.00	6.00	36	Calculator
Recreational Vehicle/Boat New & Used		$55000.00	6.50	6.50	48	Calculator
Recreational Vehicle/Boat New & Used SPECIAL		$55000.00	7.25	7.25	60	Calculator
Recreational Vehicle/Boat New & Used		$55000.00	7.50	7.50	96	Calculator
Recreational Vehicle/Boat New & Used		$55000.00	7.75	7.75	120	Calculator
Recreational Vehicle/Boat New & Used		$55000.00	8.25	8.25	180	Calculator
Mobile Home	10,000.00	Lesser of $35000 or 80% of purchase	7.00	7.00	60	Calculator
Mobile Home		Lesser of $35000 or 80% of purchase	7.25	7.25	120	Calculator
Mobile Home		Lesser of $35000 or 80% of purchase	7.50	7.50	180	Calculator
Mobile Home		Lesser of $35000 or 80% of purchase	8.50	8.50	300	Calculator

*special- .25% lower rate for auto loans with direct deposit

*APR = Annual Percentage Rate
Please contact us for specific loan requirements.
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Effective as of January 20 , 2012 Rates subject to change without notice

Savings	Minimum to Open	Minimum Balance	Interest Rate	APY*	Term
Regular Share/Savings Account	$25.00	$10.00	0.250	0.25	n/a
Holiday/Vacation Clubs	$5.00	$10.00	0.250	0.250	n/a
Money Market - $1000 or greater		$1000	0.400	0.400	n/a
Money Market - under $1000			0.100	0.100	n/a
NOW Account	$25.00	$10.00	0.250	0.250	n/a

*APY = Annual Percentage Yield
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Certificates Minimum Deposit Dividend Rate APY* Term

6 Month Certificate $1,000.00 .65 .65 6

6 Month Certificate 50,000.00 and over 50000.00 .70 .70 6

12 Month Certificate $1,000.00 .80 .80 12

12 Month Certificate 50,000.00 and over 50000.00 .90 .90 12

15 Month Certificate $1,000.00 .85 .85 15

15 Month Certificate 50,000.00 and over 50,000.00 1.00 1.00 15

30 Month Certificate $1,000.00 1.45 1.46 30

30 Month Certificate 50,000.00 and over 50,000.00 1.50 1.51 30

*APY = Annual Percentage Yield
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