Effective Date: January 19, 2010
ALL RATES ARE SUBJECT TO CHANGE WITHOUT NOTIFICATION

					Calculator
LOANS		Term		Rate	APR
Signature & Co-Signer Loans
	up to $1,000.00	12 Months		8% - 10%	8% - 10%
	$1.001.00 to $2,000.00	18 Months		8% - 10%	8% - 10%
	$2,001.00 to $3,000.00	24 Months		8% - 10%	8% - 10%
	$3,001.00 to $4.000.00	36 Months		8% - 10%	8% - 10%
	$4,001.00 to $5,000.00	48 Months		8% - 10%	8% - 10%
	$5,001.00 to $6,000.00	54 Months		8% - 10%	8% - 10%
	$6,001.00 to $7,000.00	60 Months		8% - 10%	8% - 10%
Fully Share Secured Loans		up to 60 Months		6.00%	6.00%
		61 to 72 Months		6.50%	6.50%
		73 to 84 Months		7.00%	7.00%
		85 to 96 Months		7.50%	7.50%
VISA® Credit Cards		--		9.90%	9.90%
Home Equity Loans		up to 5 Years		4.99%	4.99%
		61 Months to 10 Years		6.00%	6.00%
		121 Months to 15 Years		6.75%	6.75%
New Vehicle Loans/Motorcycles		Qualified	APR	Rate	APR
	up to 36 Months	3.99%	3.99%	5.49%	5.49%
	37 to 48 Months	4.99%	4.99%	6.49%	6.49%
	49 to 60 Months	5.99%	5.99%	7.49%	7.49%
	61 to 72 Months	5.99%	5.99%	7.49%	7.49%
Boats, ATV, PWC, Snowmobiles		add 0.75% on above rates
RV, Pull Behind Trailers
	Same terms as above	add 1.50% on above rates
Used Vehicle Loans/Motorcycles		Qualified	APR	Rate	APR
	up to 36 Months	4.99%	4.99%	6.49%	6.49%
	37 to 48 Months	5.99%	5.99%	7.49%	7.49%
	49 to 60 Months
	2007 or Newer	6.25%	6.25%	7.75%	7.75%
	61 to 72 Months
	2007 or Newer	6.25%	6.25%	7.75%	7.75%
Boats, ATV, PWC, Snowmobiles		add 0.75% on above rates
RV, Pull Behind Trailers
	Same terms as above	add 1.50% on above rates
Student Loans		Term		Rate	APR
	$2,000 per year payment not deferred	30 Months		8.00%	8.00%

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Dividend Rates
Effective Date: June 18, 2009

SAVINGS	Dividend Rate		Term
Share	0.25% APR		$100.00 to $2,500.00
Share	0.50% APR		$2,500.01 to $10,000.00
Share	0.75% APR		$10,000.01 to $20,000.00
Share	1.00% APR		$20,000.01 and up
Christmas	0.25% APR		over $100 to each dividend
Vacation	0.25% APR		over $100 to each dividend
SUPER SAVINGS ACCOUNTS	Dividend Rate		Term
	1.00% APR		$5,000.00 - $7,500.00
	1.25% APR		$7,500.01 - $10,000.00
	1.50% APR		$10,000.01 - $20,000.00
	1.75% APR		$20,000.01 & up
Minimum Opening Deposit of $5,000.00 Interest is credited and compounded quarterly ONE FREE withdrawal per month $5.00 fee per withdrawal after ONE withdrawal

CERTIFCATES	Dividend Rate		Term
6 Month	1.30% APY **		6
12 Month	1.65% APY **		12

* The crediting of dividends will be as a transfer to your regular share account or the share account of your choice. The dividend period begins on the first calendar day of the dividend period and ends on the last calendar day of the dividend period.

** Penalty for early withdrawal will be 90 days of accrued interest.

Debit Card Fee
Starting April 30 2009, a $2.00 fee will be deducted from Checking Accounts Monthly .

Accrual Information:
Dividends are calculated by the Daily Balance method which applies a daily periodic rate to the Principal in the account each day. For all accounts using an average daily balance method, dividends are calculated by applying the rate to the average daily balance. The average daily balance is obtained by adding the balance in the account for each day in the period then dividing that by the number of days in the period.