Deposit Accounts

Account Type
APY
 Minimum to Open
Membership Savings
1.26%
 $25
Special Savings
1.26%
 NA
Silver Savings (The minimum daily balance required to earn stated APY is $25,000.)
3.14%
 $25,000
Smart Savers (Children under 18)
1.26% - 3.30%
 NA
IRA Savings
3.25%
 NA
Checking
.50%
 $20
Select Checking
.50%
 $20
Second Chance Checking
NA
 $50
Money Market
2.12%
 $2,500

 
Serious Savings
This new certificate account is perfect for the serious saver!
Rates are equal to a 12 month or greater certificate account.
Account must be funded through auto transfer deposits.
(Min $25 Max $1000.)
No minimum balance.
No withdrawals before maturity without penalty.

Term
APY
12 Month
3.25%
24 Month
3.35%
30 Month
3.35%
36 Month
3.45%
48 Month
3.56%
60 Month
3.56%

 

Certificate Accounts

Term
APY
$100,000+
3 Month
2.79%
3.04%
6 Month
3.14%
3.40%
12 Month
3.25%
3.51%
24 Month
3.35%
3.61%
30 Month
3.35%
3.61%
36 Month
3.45%
3.72%
48 Month
3.56%
3.82%
60 Month
3.56%
3.82%



Promotional Accounts

Term
APY
 $100,000+
No promotions at this time.

Deposit Accounts: The rate may change after account opening. Fees or other conditions may reduce the earnings.

APY = Annual Percentage Yield
APY is accurate as of 09-20-07

Certificate Accounts: Minimum $1,000 deposit required. Minimum $10,000 deposit required for promotional rate.
IRA certificates are not available for this promotional rate. A dividend penalty will be imposed for early withdrawal.

Fee Schedule associated with deposit accounts.

Fixed Rate Loans

Auto Rates and Terms*
Model years '05 and newer
Terms Rates
0-36 Months 4.50%-17.00%
37-48 Months 4.50%-17.25%
49-60 Months 4.50%-17.50%
61-72 Months 5.50%-6.50%
Model years '04-'03
Terms Rates
0-36 Months 4.90%-19.00%
37-48 Months 4.90%-19.25%
49-60 Months 4.90%-19.50%
61-72 Months 5.90%-6.90%
Model years '02 and Older
0-60 Months 4.90%-21.00%

RV and Boat Rates and Terms*
Model years '05 and newer
Terms Rates
0-36 Months 4.50%-17.00%
37-48 Months 4.50%-17.25%
49-60 Months 4.50%-17.50%
61-72 Months 5.50%-17.75%
73-84 Months 7.24%-18.00%
85-120 Months 7.49%-18.25%
121-144 Months 7.74%-12.50%
Model years '04-'03
Terms Rates
0-36 Months 4.90%-19.00%
37-48 Months 4.90%-19.25%
49-60 Months 4.90%-19.50%
61-72 Months 6.90%-19.75%
73-84 Months 7.49%-20.00%
85-120 Months 7.74%-20.25%
121-144 Months 7.99%-14.50%
Model years '02 and Older
0-60 Months 6.49%-21.00%

Motorcycle Rates and Terms*
Model years '05 and newer
Terms Rates
0-36 Months 4.50%-17.00%
37-48 Months 4.50%-17.25%
49-60 Months 4.50%-17.50%
Model years '04-'03
Terms Rates
0-36 Months 4.90%-19.00%
37-48 Months 4.90%-19.25%
49-60 Months 4.90%-19.50%

Description Term APR
Unsecured Advances 0-60 Months *11.00%-21.00%
Share Secured Advances 0-12 Months *4.75%
Approved Stock Secured Advances 0 - 12 months *7.50% - 9.00%
All other Secured Advances Incl. Vehicles, Motorcycles & RV's older than 5 yrs., Household Goods, Farm Equip., etc. 0 - 48 months * 10.40% - 21.00%
All other Secured Advances Incl. Vehicles, Motorcycles & RV's older than 5 yrs., Household Goods, Farm Equip., etc. 49 - 60 months * 11.40% - 21.00%
Commercial Use Vehicles 0-60 months * 12.00% - 21.00%



Apply for a Loan

Variable Rate Loans

Description
Current Indexed Rate
              Rate
Share Secured Advances
3.25%
            5.00%
Certificate Secured
N/A
 2% above certificate rate
Approved Stock Secured Advances
4.25%
             6.00%


Apply for a Loan

The above rates are effective 10-01-07

*Rates and terms subject to model year, mileage, loan-to-value and credit restrictions.

All variable rates loans may vary in rate. Rate is subject to change on the first day of each subsequent
calendar quarter (January, April, July, October).

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