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*** DIVIDEND RATES / SERVICES ***
EFFECTIVE OCTOBER 1, 2011
APY
$0.00 - $10,000.00 SHARES 0.25%
$10,000.01 - & Over SHARES 0.25%
  CHRISTMAS CLUB 0.25%

*** LOAN RATES ***
EFFECTIVE JANUARY 12, 2011
APR  
HOME EQUITY
* Maximum 8 years
   
3.00% SHARE SECURED
   
3.75% NEW LICENSED MOTOR VEHICLES,
  MOTOR HOMES & CAMPER TRAILERS
  2010-2011 (Never been Titled)
  * Maximum of 72 Months
  * 100% Of the Windows Price or Dealer Sales Agreement
   
3.50% NEW LICENSED MOTOR VEHICLES,
  MOTOR HOMES & CAMPER TRAILERS
  2010-2011 (Never been Titled)
  * Maximum of 60 Months
  * 100% Of the Windows Price or Dealer Sales Agreement
   
4.25% USED LICENSED MOTOR VEHICLES,
  MOTOR HOMES & CAMPER TRAILERS
  2008-2009-2010 (Titled)
  * Maximum of 60 Months
  * 100% Of the Windows Price or Dealer Sales Agreement
   
4.00% USED LICENSED MOTOR VEHICLES,
  MOTOR HOMES & CAMPER TRAILERS
  * 100% Of the NADA Book Retail Value
  * Maximum 48 Months
   
6.50% NEW ATV, BOATS & UTILITY TRAILERS
  * 100% Of the Windows Price or Dealer Sales Agreement
  * Maximum of 60 Months
   
7.50% USED ATV, BOATS & UTILITY TRAILERS
  * 100% Of the NADA Book Retail Value
  * Maximum repayment 60 Months - no older than 2 calendar years
  * Maximum repayment 48 Months - older than 2 calendar years
   
10.00% SIGNATURE
  * $7,000.00 Maximum
  * 48 Month Maximum


PAYROLL DEDUCTION
INTEREST CALCULATED ON UNPAID BALANCE



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