Rates

Term	Rate	APY**
IRA	0.30%	0.30%
Savings	0.30%	0.30%
Clubs	0.30%	0.30%

Term	Rate	APY**
31 Days	3.35%	3.403%
3 Months	3.35%	3.403%
6 Months	3.75%	3.815%
12 Months	3.85%	3.919%
18 Months	3.85%	3.919%
24 Months	3.65%	3.712%
30 Months	3.65%	3.712%

Minimum of $1,000.00 required

Term	Rate	APY**
$0.01-2,499.99	0.10%	0.10%
$2,500-9,999.99	0.95%	0.95%
$10,000.00-24,999.99	1.00%	1.01%
$25,000.00-49,999.99	1.05%	1.06%
$50,000.00 & Up	1.10%	1.11%

Minimum of $1,000.00 required to open

Loan Type	APR* as low as
New Auto	5.99%
Used Auto	6.49%
New Boat	6.25%
Used Boat	7.25%
New Motorcycle less than 1000 cc	11.25%
New Motorcycle 1000 cc or greater	5.99%
Used Motorcycle less than 1000 cc	11.25%
Used Motorcycle 1000 cc or greater	6.49%
New Recreational Vehicle	11.25%
Used Recreational Vehicle	11.25%
Farm Equipment	11.25%
Personal Loan	13.75%
MasterCard Standard	14.64%
MasterCard Platinum	13.15%
Share Secured Loan	+2.0%
Certificate Secured Loan Rate	+2.0%
Home Equity Line of Credit *Call for current rate and terms

Home Equity Line of Credit

Term	APR* as low as
15-Year Term (with a variable rate)	8.5%

Land Loans

Term	APR* as low as
5 Year	8.5%
10 Year	9.0%