Rates

Rates subject to change without notice

LOANS

Loans	Rate	APR*	Term
NEW & USED VEHICLES 2005-2008	4.75	4.75	48	Calculator
NEW & USED VEHICLES 2005-2008	5.75	5.75	60&72	Calculator
USED VEHICLES 2002-2004	5.25	5.25	48	Calculator
USED VEHICLES 2002-2004	6.25	6.25	60	Calculator
USED VEHICLES 2001-1999	7.75	7.75	36	Calculator
RECREATIONAL 2002-2008 (motorcycles, boats, ATV'S, snowmobiles, campers,etc)	6.25	6.25	48	Calculator
RECREATIONAL 2002-2008 (motorcycles, boats, ATV'S, snomobiles, campers)	7.45	7.45	60&72	Calculator
RECREATIONAL 2001 & OLDER	7.75	7.75	36	Calculator
UNSECURED FIXED OR OVERDRAFT LOC	11.50	11.50	36	Calculator
SHARE SECURED-3% OVER SHARE RATE	0.00	0.00	60	Calculator
CERTIFICATE SECURED-3% OVER SHARE CERT RATE		0.000	00	Calculator
VISA CLASSIC	13.50	13.50	n/a	Calculator
VISA GOLD	10.50	10.50	n/a	Calculator
VISA PLATINUM	8.90	8.90	n/a	Calculator
HOME EQUITY LINE OF CREDIT FIXED 80%	8.25	8.25	72	Calculator
HOME EQUITY LINE OF CREDIT FIXED 100%	8.25	8.25	72	Calculator
HOME EQUITY LINE OF CREDIT VARIABLE 80%	8.00	8.00	180	Calculator
HOME EQUITY LINE OF CREDIT VARIABLE 100%	9.75	9.75	180	Calculator

*APR = Annual Percentage Rate
**Rate may be higher based on credit score
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SHARE SAVINGS & CLUB ACCOUNTS

*APY = Annual Percentage Yield
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SHARE CERTIFICATES

Certificates	Minimum Deposit	Dividend Rate	APY*	Term
*** 7 Month Featured Certificate Rate ***	$1000.00	3.25	3.27	7
6 month certificate	$1000.00	2.50	2.52	6
1 year certificate	$1000.00	2.75	2.79	12
2 year certificate	$1000.00	2.85	2.89	24
3 year certificate	$1000.00	3.00	3.04	36
4 year certificate	$1000.00	3.25	3.30	48
5 year certificate	$1000.00	3.50	3.56	60

*APY = Annual Percentage Yield