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Rates & Fees

New Car and RV Loans Rates as of August 1, 2007

We offer terms up to 72 months
TermAnnual Percentage Rate
24 Months5.25%
36 Months5.25%
48 Months5.99%
60 Months6.50%
72 Months*7.25%
New RV loans begin at 7.25% and can be financed up to 120 months

*72 Months for New Vehicles only; Minimum $20,000 on 72 Months
Rates subject to change without notice.
Check with your loan officer for other types of loans.

Used Car and RV Loans Rates as of September 1, 2006

We offer terms up to 60 months
TermAnnual Percentage Rate
24 Months5.25%
36 Months5.25%
48 Months5.99%
60 Months6.50%
Used RV loans begin at 7.25%

Rates subject to change without notice.
Check with your loan officer for other types of loans.

Home Improvement Loans Rates as of September 1, 2004

TermAnnual Percentage Rate
0 to 60 Months5.90%
61 to 180 Months6.90%
Repayment Example: 60 monthly payments of $19.34 per $1,000.00 borrowed at 5.90%

Rates subject to change without notice.
Check with your loan officer for other types of loans.

Home Equity Loans Rates as of September 1, 2004

TermAnnual Percentage Rate
0 to 60 Months5.90%
61 to 180 Months6.90%
Repayment Example: 60 monthly payments of $19.34 per $1,000.00 borrowed at 5.90%

Rates subject to change without notice.
Check with your loan officer for other types of loans.

Unsecured Personal Loans Rates as of November 1, 2006

TermAnnual Percentage Rate
12 Months10.90%
24 Months11.90%
36 to 48 Months12.90%
Loan Specials6.90% to 9.90%
Rates subject to change without notice.
Check with your loan officer for other types of loans.

Select Checking Rates Rates as of January 1, 2005

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$25.00$500.000.25%0.26%
"APY" refers to Annual Percentage Yield

**All yields are calculated on monthly dividend payments.
The minimum balance to open an account is $25.00.
The minimum daily balance to obtain the disclosed Annual Percentage Yield is $500.00.
Rates are subject to change after account is opened. Please call for the most up to date rates.
Fees could reduce the earnings on the account.

Basic Checking Rates Rates as of January 1, 2005

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$25.00No dividends paidNoneNone
"APY" refers to Annual Percentage Yield


The minimum balance to open an account is $25.00.

Rates are subject to change after account is opened. Please call for the most up to date rates.

Savings Account Rates Rates as of January 1, 2005

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$25.00$25.000.75%0.76%
"APY" refers to Annual Percentage Yield

**All yields are calculated on monthly dividend payments.
The minimum balance to open an account is $25.00.
The minimum daily balance to obtain the disclosed Annual Percentage Yield is $25.00.
Rates are subject to change after account is opened. Please call for the most up to date rates.
Fees could reduce the earnings on the account.

Individual Retirement AccountsRates as of January 1, 2005

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$25.00$25.001.25%1.26%
"APY" refers to Annual Percentage Yield

**All yields are calculated on monthly dividend payments.
The minimum balance to open an account is $25.00.
The minimum daily balance to obtain the disclosed Annual Percentage Yield is $25.00.
Rates are subject to change after account is opened. Please call for the most up to date rates.
Fees could reduce the earnings on the account.

Money Market Accounts Rates as of March 4, 2008

Deposit Required to Open AccountMinimum Required to Earn APY**Dividend RatesAPY**
$2,000.00$2,000.002.50%2.53%
"APY" refers to Annual Percentage Yield

**All yields are calculated on monthly dividend payments.
The minimum balance to open an account is $2,000.00.
The minimum daily balance to obtain the disclosed Annual Percentage Yield is $2,000.00.
Rates are subject to change after account is opened. Please call for the most up to date rates.
Fees could reduce the earnings on the account.

Term Certificates Rates as of September 30, 2008

TermMinimum InvestmentDividend RatesAnnual Percentage Yield
182 Days$1,000.002.29%2.31%
1 Year$1,000.002.54%2.57%
2 Years$1,000.002.79%2.82%
A penalty will be imposed for early withdrawals on all Certificates.

Jumbo Certificates Rates as of September 30, 2008

TermMinimum InvestmentDividend RatesAnnual Percentage Yield
182 Days$100,000.003.83%3.90%
1 Year$100,000.004.15%4.23%
2 Years$100,000.004.11%4.17%
A penalty will be imposed for early withdrawals on all Certificates.
New & Used Auto Loans 5.25%
Home Equity Loans 5.90%
Platinum MasterCardŽ 9.90%

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Rates may be fixed or variable and may include discounts or other promotional conditions.

"APY" refers to Annual Percentage Yield
"APR" refers to Annual Percentage Rate
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