Rates

Rates

As of July 1, 2010

Loans	Rate	APR*	Term
New Auto 24 Months	2.990	2.990	24	Calculator
New Auto 36 Months	2.990	2.990	36	Calculator
New Auto 48 Months	4.390	4.390	48	Calculator
New Auto 60 Months	4.390	4.390	60	Calculator
New Auto 72 Months ($20,000 Minimum)	4.390	4.390	72	Calculator
New Auto 84 Months ($20,000 Minimum)	4.390	4.390	84	Calculator
Used Auto 24 Months (2004 and Newer)	4.390	4.390	n/a	Calculator
Used Auto 36 Months	4.390	4.390	n/a	Calculator
Used Auto 48 Months	4.990	4.990	n/a	Calculator
Used Auto 60 Months	4.990	4.990	n/a	Calculator
Used Auto 72 Months ($20,000 Minimum, 2007 model year or Newer)	4.990	4.990	n/a	Calculator
Older Used Autos (2003 and Older) Maximum Term 3 years	6.990	6.990	n/a	Calculator
New Recreational Vehicles	6.950	6.950	n/a	Calculator
Used Recreational Vehicles	7.950	7.950	n/a	Calculator
Heat Oil Pre-Payment Purchase	8.750	8.750	n/a	Calculator
Personal (Signature) Loans	12.000	12.000	n/a	Calculator
Share Secured Loans	4.000	4.000	n/a	Calculator
Home Equity, to 5 Years	Call	Call	n/a	Calculator
Home Equity, 6 to 10 Years	Call	Call	n/a	Calculator
Home Equity,11 to 15 Years	Call	Call	n/a	Calculator
First Mortgage, to 10 Years	Call	Call	n/a	Calculator
First Mortgage, to 15 Years	Call	Call	n/a	Calculator
First Mortgage, to 20 Years	Call	Call	n/a	Calculator
First Mortgage, to 25 Years	Call	Call	n/a	Calculator
First Mortgage, to 30 Years	Call	Call	n/a	Calculator
Unimproved Property (Land)	7.000	7.000	n/a	Calculator

All rates stated as annual percentage rates and subject to change without prior notice
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Share Savings

Savings	Dividend Rate	APY*	Term
Christmas Club	0.800	0.800	n/a
Vacation Club	0.800	0.800	n/a
Tax Club	0.800	0.800	n/a
Regular Shares $5 to $1,000	0.200	0.200	n/a
Regular Shares $1,001 to $5,000	0.250	0.250	n/a
Regular Shares $5,001 and above	0.400	0.400	n/a
Individual Retirement Account Shares - Traditional	0.900	0.900	n/a
Individual Retirement Account Shares - Education	0.900	0.900	n/a
Individual Retirement Account Shares - Roth	0.900	0.900	n/a

Certificates	Dividend Rate	APY*	Term
3 Month Certificate	0.450	0.450	n/a
6 Month Certificate	0.700	0.700	n/a
1 Year Certificate	1.150	1.160	n/a
18 Month Certificate	1.250	1.260	n/a
2 Year Certificate	1.350	1.360	n/a
3 Year Certificate	1.500	1.510	n/a
4 Year Certificate	1.850	1.860	n/a
5 Year Certificate	2.150	2.170	n/a
Capital Share & IRA Certificates (Above $75,000)
3 Month	0.550	0.550	n/a
6 Month	0.800	0.800	n/a
1 Year	1.250	1.260	n/a
18 Month	1.350	1.360	n/a
2 Year	1.450	1.460	n/a
3 Year	1.600	1.610	n/a
4 Year	1.950	1.960	n/a
5 Year	2.250	2.270	n/a