Consumer Loan Rates

All rates, terms and conditions are subject to change without notice. Fees and restrictions may be associated with various products. The rates shown below are based upon the credit worthiness of individual applicants and are not intended to be a commitment to the loan type or amount for which you may qualify.

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New/Used Auto Loans04-01-10
Term²	Annual Percentage Rate¹
24 to 60 months	4.24%
61 to 84 months	4.74%
¹Annual Percentage Rate show "as low as." Your loan rate may vary. ²Minimum loan amount of $15,000 on terms over 60 months.

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Motorcycle Loans08-18-08
Term	Annual Percentage Rate²
24 to 60 months	8.49%
61 to 84 months¹	8.99%
¹Minimum loan amount of $15,000 on terms over 60 months. ²Annual Percentage Rate show "as low as." Your loan rate may vary.

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RVs/Boats04-01-10
Terms	Annual Percentage Rate¹
up to 120 months	9.74%
¹Annual Percentage Rate show "as low as." Your loan rate may vary.

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Sports Vehicles04-01-10
Terms	Annual Percentage Rate
up to 60 months	12.24%


Credit Cards04-01-10
	Annual Fee	Annual Percentage Rate (APR)
VISA Rewards	None	9.75%-18.00%
Share Secured VISA Rewards¹	$50.00	18.00%
¹Access checks are not available with Share Secured VISA. Credit limit is equal to 100% of the pledged deposit. An annual fee of $50.00 applies.


Signature Loan and Open End Line of Credit08-18-08
	Terms	Annual Percentage Rate (APR)	Limit
Signature	Up to 60 months	12.50% - 18.00%	Restrictions Apply
Line of Credit	No term	12.50% - 18.00%	Restrictions Apply


Share and Certificate Secured Loan08-18-08
	Term	Annual Percentage Rate (APR)	Limit
Share	Up to 60 months	Current div rate plus 3.00%	Minimum $500
Certificate	36 months or certificate maturity, whichever is less	Current div rate plus 3.00%	90% of funds on deposit


Consolidation Loan08-18-08
Term	Annual Percentage Rate (APR)	Limit
Up to 60 months	12.50%¹	Minimum $2,500
¹Annual Percentage Rate show "as low as." Your loan rate may vary.


Home Equity Line of Credit (HELOC) - No Points Loan Amounts $5,000 - $1,000,000¹July 10, 2009
Loan to Value	Years	Rate	APR	Estimated Payment per $1,000
80% or less	30	3.75%	3.75%	$3.13
¹Current Prime Rate = 3.25% The HELOC Rates are as of the 19th of each month when, according to Loan Policy, we adjust our HELOC rates, if required.The Annual Percentage Rate (APR) for Home Equity Lines of Credit (HELOC) can vary monthly, based on the value of an index and margin based on loan-to-value. APR of 3.75% for HELOC as of 07/10/09. $3.13 estimated payment per $1,000 financed. Maximum APR is 14.00%. The index is the highest Prime Rate published in the Wall Street Journal Money Rates table. HELOC available for owner-occupied property only. Minimum $5,000 draw required. We may pay third party fees up to $500 on your behalf if you take an initial draw of at least $5,000 for the first 12 months of the plan. Minimum opening deposit on personal checking account is $25.*Minimum $5,000 draw required. We may pay third party fees up to $500 on your behalf if you take an initial draw of at least $5,000 for the first 12 months of the plan or be liable to reimburse us for the fees we paid on your behalf. You will also be liable to reimburse us for third party fees up to $250 if the line of credit is paid in full and the deed of trust is reconveyed within the first 24 months of origination. Any amounts owed may be added to your principal balance. †† Consult your tax advisor.