Auto Loans

Vehicle Loan Term	APR
New Vehicle up to 60 months	2.74%*
Used Vehicles up to 60 months (current plus 4 model years old)	2.74%*
New Vehicles from 61-72 months	3.00%*
Used Vehicles from 61-72 months (current plus 4 model years old)	3.00%*
New Vehicles up to 84 months ($25,000 minimum)	3.74%*
Adjustable Rate Car Loan (New/Used-Terms Vary)	4.25%*

Recreational & Sport Vehicle Loans

Rec. Vehicle Loan Term	APR
0-60 Months	3.49%*
61-84 Months (84 months is the maximum term on Sport Vehicles)	3.99%*
85-120 Months	4.49%*
121-180 Months ($25,000 minimum)	5.49%*

Real Estate Loan Term	Rate	APR
10 Year Fixed	3.250% Rate*	3.524% APR**
15 Year Fixed	3.375% Rate*	3.565% APR**
20 Year Fixed	3.875% Rate*	4.083% APR**
30 Year Fixed	4.125% Rate*	4.277% APR**
**APR's are based on a $100,000 loan amount with an LTV of 80%

Home Equity Loan Term	APR
Home Equity Line of Credit (LTV 80% or Less) (Floor is 5.00% APR)	Prime Rate + 1.75%*
5 Year Fixed Home Equity (LTV 80% or Less)	4.99%*
10 Year Fixed Home Equity (LTV 80% or Less)	5.49%*
15 Year Fixed Home Equity (LTV 80% or Less)	5.99%*

Vacant Land Loan Term	APR
5 Year (LTV 80% of improved; 50% of unimproved)	4.99%*
7 Year (LTV 80% of improved; 50% of unimproved)	5.24%*
10 Year (LTV 80% of improved; 50% of unimproved)	5.74%*

Miscellaneous Loan Term	APR
Signature (60 Months Max)	6.99%*
Revolving Line of Credit	10.90%*
CD Secured (Floor is 2.50%)CD Secured (Floor is 2.50%) 2.5 over current CD rate	Varies
Share Secured 2.50% over current share rate	Varies
Misc. Secured	5.99%*

Credit Card Term	APR
Visa Platinum	From 8.9% - 19.9%*
Visa Platinum w/ ScoreCard Bonus Points	From 10.9%-19.9%*
New Beginnings Visa	From 16.9%-19.9%*
New Beginnings Visa w/ ScoreCard Bonus Points	From 17.9%-19.9%*

*Rate will be based on credit history

Regular Savings & Club Account Rates
Dividends	Rate	APY
$0 - $2,000	0.05%*	0.05%*
$2,000.01 - $10,000	0.15%*	0.15%*
$10,000.01 +	0.25%*	0.25%*

"Your Savings" Rates
Dividends	Rate	APY
$0 - $5,000	0.10%*	0.10%*
$5,000.01 +	0.20%*	0.20%*

Money Market Rates
Dividends	Rate	APY
$0 - $2,000	0.00%*	0.00%*
$2,000.01 - $25,000	0.25%*	0.25%*
$25,000.01 - $75,000	0.30%*	0.30%*
$75,000.01 - $200,000	0.45%*	0.45%*
$200,000.01 - $500,000	0.50%*	0.50%*
$500,000.01 +	0.50%*	0.50%*

Checking
Dividends	Rate	APY
$0 - $1,000	0.00%*	0.00%*
$1,000.01 - $5,000	0.05%*	0.05%*
$5,000.01 - $10,000	0.15%*	0.15%*
10,000.01 +	0.25%*	0.25%*

IRA/Deferred Compensation/Health Savings Accounts (HSA)
Dividends	Rate	APY
$0 - $10,000	0.50%*	0.50%*
$10,000.01 - $25,000	0.75%*	0.75%*
$25,000.01 +	0.95%*	0.95%*

Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit
Term	Rate	APY
3 - 5 Months	0.35%*	0.35%*
6 Months	0.40%*	0.40%*
7 - 11 Months	0.50%*	0.50%*
12 - 23 Months	.75%*	.75%*
24 - 35 Months	.90%*	.90%*
36 - 47 Months	1.49%*	1.50%*
48 - 59 Months	1.49%*	1.50%*
60 Months	1.85%*	1.87%*

*APY = Annual Percentage Yield. Rates are subject to change. Other rates and terms are available.