Rates and Fees

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    SHARE CERTIFICATES     

                                 as of       9/3/2010
                         6 months    1.00%APY*
                        12 months    1.35%APY*
                        24 months    1.75%APY*

     Minimum certificate is $1,000.
      Any amount (minimum $1,000) can be transferred from your Share Account
      to a Share Certificate.

      Interest compounded monthly
      Interest paid quarterly
      Share Certificates subject to penalty for early withdrawal.  

      LOAN RATES  Effective 08/30/2010
LOAN TYPE                               %APR**               Maximum                   Maximum   
                                                As Low As               Terms ***                     Loan

New Auto, Boat & Motorcylce         2.99%*                 72 months               100% of Window Sticker(Some Restrictions Apply)

Used Auto, Boat & Motorcycle         2.99%*                 60 months               100% NADA retail value (Some restrictions may apply)

 

LOAN TYPE                             % APR**                  Maximum                   Maximum
                                               As Low As                   Terms***                    Loan

 Share Secured Loans                    3.99%              120 months               100% of Shares

Share Certificate Secured          1% over APR of CD

Home Equity Line of Credit        Prime + .74         180 months                 80% (appraised value less 1st mtg)

Second Mortgage (Fixed)              5.74%              180 months                 80% (appraised value less 1st mtg)

Home Improvement Loan                6.25%              120 months               100% (appraised value less other mtgs)

Signature Loan                              8.99%                48 months               $10,000.00

Vacation Loan                              15.00%               12 months                       $ 1,500.00

Holiday Loan (Christmas)              15.00%                12 months                   $  1,500.00

Quick Cash Loan                          15.00%                 7 months                    $     250.00

                              * APY = Annual Percentage Yield.             **APR= Annual Percentage Rate.
***All loan rates except Home Equity Line of Credit are fixed rate.  Your rate and loan amount may higher based on your credit performance, credit history, loan term vehicle age and vehicle condition.  Maximum terms available are listed. Maximum terms for new vehicles are based upon other fixed interest rates at 72 months. The maximum annual percentage rate on Home Equity Line of Credit is 12%.  Estimated mortgage fees from $350 to $500 (if applicable).  Must meet credit requirements.  Rates are subject to change without notice.