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