Rates

Loan rates effective 1/01/2009

Signature Loans APR*

    12 Months 7.00%

    24 Months 8.50%

    36 Months 9.50%

    48 Months 11.00%

    60 Months 11.00%

NEW CAR LOANS APR*

    Fixed Rate 36 Months 3.99%

    Fixed Rate 48 Months 4.75%

    Fixed Rate 60 Months 5.25%

    Fixed Rate 72 Months 5.75%

Fixed Rate 84 Months $25,000 minimum 6.35%

100 % financing on new car loans.

USED CAR LOANS APR*

2008, 2007, and 2006 Models 36 Months 3.99%

2008, 2007, and 2006 Models 48 Months 4.75%

2008, 2007, and 2006 Models 60 Months 5.25%

2003, 2004, and 2005 Models 36 Months 4.90%

2003, 2004, and 2005 Models 48 Months 5.25%

100% financing on RETAIL Kelley Blue Book Value for all used car loans

Home Equity Line
APR*

    Variable rate/quarterly change 5.25%

SPECIAL - 24 MONTHS FIXED AT 4.75% APR. PLUS $500 TOWARD CLOSING COSTS.
EFFECTIVE 7/01/08

Mortgages (Please call us for details) APR*

VISA Classic 13.50%

Tuition Loan (Private Schools P-K thru grade 12) 5.95%

Share Secured (Up to 12 years - variable /2.50% over share dividend rate) 3.25%

Student/Plus Loans available (Please call for information)

Overdraft Line of Credit 16.50%

Signature Line of Credit; Prime plus 1%; floor 7.5%; change quarterly 7.00%

Rates subject to change.
All loans are subject to credit approval.   Please call for current rates
* APR = Annual Percentage Rate
* Home equity Credit Line loans are variable rate loans.
Plan B is subject to change quarterly on the first day of April, July, October and January.

Dividend Rates

      Effective January 01, 2009

         Share Certificate Special ·        Minimum Deposit APY*

.         180 Days

.         $1,000.00

2.75%

·         1 Year ·         $1,000.00 3.00%

·         2 Years ·         $1,000.00 3.00%

·         3 Years ·         $1,000.00 3.25%

·         4 Years ·         $1,000.00 3.50%

            Share Type: ·         Minimum Deposit APY*

·         Primary share account ·         $100.00 and greater 0.75%

·         Youth club (0 - 19 years) ·         $25.00 and greater 0.75%

·         Share Draft
· No minimum required. ($1000 and greater to earn APY)
0.25%

·         Individual Retirement Account:

·         IRA Account ·         $100.00 and greater 3.00%

·         IRA - Conduit Rollover ·         $100.00 and greater 3.00%

·         Roth IRA /Traditional Rollover ·         $100.00 and greater 3.00%

·         Roth IRA ·         $100.00 and greater 3.00%

· Christmas Club Account  ($10,000 maximum)
·         $5.00 and greater 2.50%

·          *APY = Annual Percentage Yield.

·          Rates are subject to change. Please call for more information