LOANS EFFECTIVE: 11/06/2008
TYPE	RATE	APR*	TERM	CALCULATOR
Automobiles (2008)	5.50%	5.50%	36
Automobiles (2008)	5.75%	5.75%	48
Automobiles (2008)	6.00%	6.00%	60
Automobiles (2007 & 2006 & 2005)	6.50%	6.50%	36
Automobiles (2007 & 2006 & 2005)	7.00%	7.00%	60
Automobiles (2004 & Older)	8.00%	8.00%	36
Automobiles (2004 & Older)	8.50%	8.50%	60
Signature	12.00%	12.00%	36
Share Loan (2% above share APY)	0.00%	0.00%	144
1st Mortgages	6.00%	6.00%	180
1st Mortgages	6.25%	6.25%	240
2nd Mortgages	8.90%	8.90%	144
Home Equity (variable rate)	7.25%	7.25%	114
VISA (no annual fee)	12.00%	12.00%	n/a

*APR=Annual Percentage Rate

SAVINGS EFFECTIVE: 08/28/2008
TYPE	DIVIDEND RATE	APY*	TERM
Share Savings($100.00 Minimum to receive APY)	1.250%	1.260%	n/a
Christmas Savings	1.000%	1.000%	n/a
IRA Savings	3.500%	3.550%	n/a
Share Drafts($500 or more)	.750%	.750%	n/a
Money Market ($10,000 or more)	2.000%	2.020%	n/a
Money Market ($25,000 or more)	2.250%	2.270%	n/a
Money Market ($50,000 or more)	2.500%	2.520%	n/a
Certificate (Minimum Balance: 1000.00)**	2.800%	2.830%	6 to 8
Certificate (Minimum Balance: 1000.00)**	2.850%	2.880%	9 to 11
Certificate (Minimum Balance: 1000.00)**	3.000%	3.030%	12 to 23
Certificate (Minimum Balance: 1000.00)**	3.200%	3.240%	24
Certificate (Minimum Balance: 1000.00)**	3.500%	3.560%	36
**A penalty may be imposed for early withdrawal

*APY=Annual Percentage Yield Back to Top