Rates Share Accounts Rates effective as of June 30, 2008 Account Type Rate APY* Minimum Balance Regular Share (Savings) Account 2.00% 2.02% $50.00 Christmas Club Account (must have a minimum of $50 to earn interest) 2.00% 2.02% $50.00 Individual Retirement Accounts         • Traditional 3.65% 3.70% n/a         • Roth 3.65% 3.70% n/a         • Educational 3.65% 3.70% n/a * APY = Annual Percentage Yield Dividends on Shares and IRA Shares are calculated daily and paid quarterly. • • • • • Certificate Accounts Rates effective as of August 8, 2008 Account Type Rate APY* Minimum Balance Certificates of Deposit         • 6 Months 3.70% 3.76% $500.00         • 12 Months 3.65% 3.71% $1,000.00 Jumbo Certificates of Deposit         • 6 Months 3.75% 3.82% $20,000.00         • 12 Months 3.70% 3.76% $20,000.00 * APY = Annual Percentage Yield Certificate rates are subject to change monthly. Interest compounds monthly. Certificates automatically rollover at maturity at whatever the current rate is at that time. There is a ten day grace period during which you may surrender the certificate without penalty. You will receive notice prior to maturity. Rates are subject to change without notice. • • • • • Share Draft Accounts Rates effective as of June 30, 2008 Account Type Rate APY* Minimum Balance Share Draft (Checking) Account 0.00% 0.00% $0.00 * APY = Annual Percentage Yield • • • • • Consumer Loans Rates effective as of June 30, 2008 Loan Type Term Financing APR* New & Used Automobiles 1-7 years 80% as low as 5.50% See promotional rates above. 1-6 years 100% as low as 6.00%         Street Motorcycles up to 5 years 80% as low as 6.50% See promotional rates above.   100% as low as 7.50%         RVs, Boats, Campers, Trailers 1-5 years 80% as low as 6.50%     100% as low as 7.50%   6-15 years 80% as low as 7.00%     100% as low as 8.00% New Off-Road Vehicles (ORVs) 3 years 75% as low as 9.00%     100% as low as 10.00% Used ORVs 2 years   as low as 10.00% New & Used Manufactured / Mobile Homes Some restrictions apply up to 15 years 80% of appraised or assessed value as low as 9.75% Signature Loan Over $5,000 4 years   as low as 12.00% Signature Loan Under $5,000 3 years   as low as 12.00%      Current promotion effective through 8/29/2008 7.00% Variable Rate Share Secured Loan up to 8 years   4.00%** Certificate of Deposit Secured Loan due at maturity of CD   *** * APR = Annual Percentage Rate ** Add 2.00% over the current share rate *** Add 2.00% over the current CD rate Rates are subject to change without notice Some restrictions may apply • • • • • Home Equity Loans** Rates effective as of June 30, 2008 Loan Type Term Financing APR* Home Equity Fixed Rate (owner occupied) up to 10 years 80% of appraised or assessed value as low as 5.25%   10-15 years 80% of appraised or assessed value as low as 5.50% Home Equity Fixed Rate (non-owner occupied) up to 10 years 65% of appraised or assessed value as low as 6.75%   10-15 years 65% of appraised or assessed value as low as 6.85% Home Equity Revolving Variable Rate Line of Credit (owner occupied) 5 year draw, up to 30 year term 80% of appraised or assessed value 5.00% Home Equity Revolving Variable Rate Line of Credit (non-owner occupied) 5 year draw, up to 30 year term 65% of appraised or assessed value 5.00% * APR = Annual Percentage Rate ** Rates based on Wall Street Journal prime rate. Rate is subect to change twice per year only, in January and July. There is a five year draw period that may be renewable after the five years. There is no annual fee. The rate ceiling is 15.00% • • • • • VISA Card Account Type APR* Annual Fee VISA Card 10.50% on purchases, cash advances and balance transfers none See Home Page for details on 7.00% promotional rate through 12/31/08. * APR = Annual Percentage Rate Some restrictions may apply