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Account Rates

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Share & IRA Shareeffective date 11-01-2009
Deposit Amount	APR	APY¹	Credited
$100 - $5,000	.996%	1.00%	Quarterly
$5,001 - $50,000	1.145%	1.15%	Quarterly
$50,001 +	1.393%	1.40%	Quarterly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice.

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Holiday Club11-01-2009
Deposit Amount	APR	APY¹	Credited
$5+	1.60%	1.60%	Annually
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice.

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Interest Checking¹11-01-2009
Deposit Amount	APR	APY²	Credited
$500+	1.00%	1.005%	Monthly
¹Interest Checking has a minimum balance requirement of $500.00 to avoid a $5 monthly fee. ²Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice.

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Basic Checking²11-01-2009
Deposit Amount	APR	APY¹
No minimum	0.00%	0.00%
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Basic Checking has no minimum balance fees.

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Money Market Checking²11-01-2009
Deposit Amount	APR	APY¹	Credited
$2,500 - $4,999.99	1.094%	1.10%	Monthly
$5,000 - $9,999.99	1.292%	1.30%	Monthly
$10,000 and up	1.490%	1.50%	Monthly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Money Market checking has a minimum balance of $2500.00 to avoid a $5 monthly fee.

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Share Certificates & Roth, Educational & Traditional IRA²11-01-2009
Term	Minimum Deposit	APR	APY¹	Credited
6 Months	$1,000	1.492%	1.50%	Quarterly
1 Year	$1,000	1.936%	1.95%	Quarterly
2 Years	$1,000	2.084%	2.10%	Quarterly
3 Years	$1,000	2.330%	2.35%	Quarterly
4 Years	$1,000	2.575%	2.60%	Quarterly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Early withdrawal penalty is 90 days of interest.

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EasyStart CD²11-01-2009
Term	Minimum Deposit	APR	APY¹	Credited
6 Months	$250.00	1.492%	1.50%	Quarterly
1 Year	$250.00	1.837%	1.85%	Quarterly
¹Dividend Rates are calculated on simple interest, day of deposit, day of withdrawal. Fees or other conditions could reduce earnings. APY are calculated as of posted effective date. Penalties may apply for early withdrawal of funds. All rates are subject to change without notice. ²Bump-up CD: One member-initiated rate increase to new current 1 year CD rate during term of the CD. Applies to new CDs and renewals only.

Loan Rates

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Car/Motorcycle¹02-16-2009
Maximum Term	Rate/APR as low as²	Maximum Loan Amount⁴
36 months	5.75%³	100%
48 months	6.00%³	100%
60 months	6.25%³	100%
72 months	6.50%³	100%
¹New car price from dealer invoice. Used car value from High Blue Book Value (HBBV). ²Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ³Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account. ⁴Maximum Loan Amount shown as a percentage of purchase price or HBBV, including tax/license.

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Car/Motorcycle (with equity)²02-16-2009
Maximum Term	Rate/APR as low as³	Maximum Loan Amount¹
36 months	5.50%⁴	80%
48 months	5.50%⁴	80%
60 months	5.75%⁴	80%
72 months	6.00%⁴	80%
¹Maximum Loan Amount shown as a percentage of purchase price or HBBV, including tax/license. ²New car price from dealer invoice. Used car value from High Blue Book Value (HBBV). ³Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ⁴Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

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Boats02-16-2009
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
72 Months	10.50%²	Up to 100% of purchase price, including tax
120 Months	11.00%²	Up to 100% of purchase price, including tax
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ²Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

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Personal/Signature02-16-2009
Maximum Amount	Term	Rate/APR as low as¹
$5,000	24 months	10.00%²
$10,000	48 months	10.00%²
$15,000	60 months	10.25%²
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ²Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account.

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Share Secured02-16-2009
Maximum Amount	Maximum Term	Rate/APR as low as¹
Amount on deposit	72 months	5.75%
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

Second Mortgage02-16-2009
	Maximum Term	Rate/APR as low as⁴
No Closing Fees²	15 year repayment; one year adjustable¹	Prime Rate or 6%³
¹Includes consumer loan rate reduction of .25% APR when loan payments automatically deducted from borrower's account. ²No fees except state-required mortgage tax, if applicable. ³Introductory Interest rate will be the Prime Rate or 6%, whichever is greater, on the date of the loan. After 1 year the rate will adjust to the then-current Prime Rate or 7%, whichever is greater. ⁴Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

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Mini Home Equity (Fees Apply)02-16-2009
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
1-5 Years	7.00%	80% of equity
6-10 Years	7.50%	80% of equity
11-15 Years	7.75%	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

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Mini Home Equity (No Fees)02-16-2009
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
1-5 Years	7.50%	80% of equity
6-10 Years	7.75%	80% of equity
11-15 Years	8.00%	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

Second Mortgage (Variable Rate)²02-16-2009
Maximum Term	Rate/APR as low as³	Maximum Loan Amount
7 Years	Prime Rate or 6%¹	80% of equity
10 Years	Prime or 6% + .25%¹	80% of equity
15 Years	Prime or 6% + .50%¹	80% of equity
¹Introductory Interest rate will be the Prime Rate or 6%, whichever is greater, on the date of the loan. After 1 year the rate will adjust to the then-current Prime Rate or 7%, whichever is greater. ²No fees except state-required mortgage tax, if applicable. ³Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

Home Equity Line of Credit (Annual Adjustment)³02-16-2009
Maximum Term	Rate/APR as low as¹	Maximum Loan Amount
5-year draw; no closing fees³	Prime Rate or 6%²	80% of equity
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice. ²Introductory Interest rate will be the Prime Rate or 6%, whichever is greater, on the date of the loan. After 1 year the rate will adjust to the then-current Prime Rate or 7%, whichever is greater. ³No fees except state-required mortgage tax, if applicable.

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VISA®02-16-2009
	Rate/APR as low as¹	Maximum Amount
VISA® Classic	10.90%	$10,000
VISA® Platinum	8.90%	$15,000
¹Rates dependent on borrower's FICO credit score. Rates shown are for most creditworthy applications, FICO 680 and above. All rates are subject to change without notice.

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