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Loans | Savings | Certificates

***Rates Effective October 31, 2008***

Loans	Rate	APR*	Term
Vehicles 2006-2008 ONLY (w/ 10% Down Payment) (48 mths or less)	4.49			Calculator
Vehicles 2006-2008 ONLY (w/ 10% Down Payment) (60-72 mths)	5.00			Calculator
Vehicles 2006-2008 ONLY (NO down payment) (48 mths or less)	5.50			Calculator
Vehicles 2006-2008 ONLY (NO down payment) (60 - 72 mths)	5.99			Calculator
2003-2005 Vehicles (Used) ( w/ 10% Down Payment) (48 mths or less)	4.49			Calculator
2003-2005 Vehicles (Used) (w/ 10% Down Payment) (60 mths)	4.75			Calculator
2003-2005 Vehicles (Used) (No Down Payment) (48 mths or less)	5.00			Calculator
2003-2005 Vehicles (Used) (No Down Payment) (60 mths)	5.49			Calculator
2003-2005 Vehicles (Used) Retail Value (48 mths or less)	6.75			Calculator
2003-2005 Vehicles (Used) Retail Value (60 mths.)	6.99			Calculator
Motorcycles (20% Down Payment Reguired) (12-60 mths)	5.75			Calculator
Antique, Classic, and Exotic Vehicles (10% Down Required) ( 12 - 120 mths)	8.50			Calculator
Boat Loans (New or Used) (10% Down Payment Required) (12 - 60 mths)	5.40			Calculator
Boat Loans (New or Used) (10% Down Payment Required) (72 - 120 mths)	6.40			Calculator
Camper and Motor Homes ( w/ 10% Down Payment)( 12 - 120 mths)	6.75			Calculator
Personal Recreation Vehicles ( w/ 20% Down Payment)(12 - 48 mths)	6.50			Calculator
Revolving Credit (up to 42 mths)	13.00			Calculator
Personal Loan (Unsecured)	8.000		12	Calculator
Personal Loan (Unsecured)	10.000		24	Calculator
Personal Loan (Unsecured)	12.000		36	Calculator
Personal Loan (Unsecured)	14.000		48	Calculator
Personal Loan (Secured)	6.00		12	Calculator
Personal Loan (Secured)	7.00		24	Calculator
Personal Loan (Secured)	8.00		36	Calculator
Personal Loan (Secured)	9.00		48
Savings Secured Loan (12-60 mths) ask for current rates	n/a	n/a	60	Calculator
Home Improvement Loans (12 - 36 mths)	9.00	9.00	36	Calculator
Home Improvement Loans (48 - 60 mths)	9.50	9.50	60	Calculator
Home Improvement Loans (72 - 120 mths)	10.00	10.00	120	Calculator
Home Equity (Open Line of Credit) (Variable) adjusts monthly	5.00			Calculator
Home Equity (Closed End Loan) (Fixed) 5yr	5.25	5.25	60	Calculator
Home Equity (Closed End Loan) (Fixed) 10yr	7.00	7.00	120	Calculator

*A.P.R. (Annual Percentage Rate)
All loans are subject to credit approval. For vehicle loans,the age of the vehicle plus the term of the loan may not exceed eight years.
*All Home Equity Loans
Average closing cost charged on any Home Equity product range from $300 to $500
*Home Equity Line-of-Credit Only
Your annual percentage rate may vary monthly. The rate will be equal to the "Prime Rate" as quoted in "The Wall Street Journal" at the beginning of each month. The maximum rate that may be imposed is 18.00%

*rates based on creditworthiness
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*** EFFECTIVE October 31, 2008***

Rates quoted are subject to change without notice.
Minimum balance of $10.00 in share account is required to maintain membership.
Minimum balance of $2,500.00 required in High Yield and $1,000.00 in Regular Share to get High Yield Rate.

Savings	Rate	APY*	Term
Share (Savings)	0.40	0.40	n/a
High Yield (Savings)	1.25	1.26	1.26
I.R.A. Share Account	1.50	1.51	1.51

*A.P.Y. (Annual Percentage Yield)
Dividends are paid monthly and based on average daily balance. IRA dividends paid quarterly. $100.00 minimum balance required to obtain dividends on regular share account.
*Maintenance and Activity fees may reduce earnings on account.
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*** EFFECTIVE October 31, 2008***

All Certificates require a minimum deposit of $500.00 unless otherwise noted.

All terms specified are in months.

Certificates	Rate	APY*	Term
3 Month	2.75	279	3
6 Month	2.85	2.89	6
1 Year	3.20	.3.25	12
18 Month	3.30	3.35	18
2 Year	3.40	3.45	24
3 Year	3.40	3.45	36
4 Year	3.40	3.45	48
5 Year	3.40	3.45	60
1 Year Jumbo ($25,000.00 min.)	3.30	3.35	12
2 Year Jumbo ($25,000.00 min.)	3.50	3.56	24
3 Year Jumbo ($25,000.00 min.)	3.50	3.56	36
4 Year Jumbo ($25,000.00 min.)	3.50	3.56	48
5 Year Jumbo ($25,000.00 min.)	3.50	3.56	60
1 Year I.R.A. ($250.00 Min)	3.30	3.35	12
2 Year I.R.A. ($250.00 Min)	3.50	3.56	24
3 Year I.R.A. ($250.00 Min)	3.50	3.56	36
4 Year I.R.A. ($250.00 Min)	3.50	3.56	48
5 Year I.R.A. ($250.00 Min)	3.50	3.56	60

*A.P.Y. (Annual Percentage Yield) Dividends are paid monthly and based on the average daily balance. Early withdrawal penalties apply.
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