Effective January 1, 2010

Loan Type	Daily Periodic Rate	APR
Personal / Signature
Personal & PSL	0.0287671%	as low as 10.50%
Tuition
(Up to 60 month est. repayment)	0.0178082%	as low as 6.50%
(Up to 120 month est. repayment)	0.0260274%	as low as 9.50%
Personal Service
Share Secured	0.0136986%	as low as 5.00% min.**
**(3.00% over current dividend earned on pledged monies, rounded up to next quarter percent)
New or Used Car, Boats, RV's
< 5 years old & < 50,000 miles	0.0136986%	as low as 5.00%
Used Car, Boats, RV's
< 5 years old & > 50,000 miles	0.0164384%	as low as 6.00%
Used Car, Boats, RV's
> 5 years old	0.0191781%	as low as 7.00%
Classic Cars
Classic Cars	0.0246575%	as low as 9.00%
Motorcycles & Farm Equipment
New & Used < 3 years old	0.0219178%	as low as 8.00%
Used > 3 years old	0.0246575%	as low as 9.00%

Note: The rates posted on this website are current for the noted date. Rates are subject to change without notice and this page does not serve as a guarantee of rates, fees, or credit approval.

Account	Rate	APY*	Minimum
Shares / Special Shares (effective 02/22/10)
Regular Shares	0.50%	0.50%	$200 adb**
Special Shares	0.50%	0.50%	$200 adb**
Christmas/Vacation Clubs	0.50%	0.50%	$200 adb**
Share Drafts / Checking Accounts (effective 02/22/10)
Interest Checking	0.50%	0.50%	$500 min.
Senior Checking	0.50%	0.50%	$200 adb**
Share Certificates (effective 02/22/10)
3 months	0.80%	0.80%	$500
6 months	1.00%	1.00%	$500
12 months	1.20%	1.21%	$500
Jumbo	1.40%	1.41%	$5,000

*Annual Percentage Yield (APY)

**Average Daily Balance

The rates posted on this website are current for the noted date. Rates are subject to change without notice and this page does not serve as a guarantee of rates.

Withdrawal of dividends prior to maturity may affect yields.

A penalty may be imposed for early withdrawal of funds from Share Certificates.

Effective as of September 2009

Excessive Withdrawal Fee	$2.00 after 2 withdrawals per month
Check cashing fee (Non-member presenting a member's share draft)	$5.00 per item
Inactive Account Fee (Share Draft Account)*	$5.00 per month
*Applies if you have no activity for a period of one year & balance below $100.00
Dormant Account Fee (Share Account)**	$5.00 per year
**Applies if you have no activity for a period of one year & balance below $100.00
Deposited item returned unpaid (Share/Share Draft/Loan payments)	$10.00
Account activity printout	$2.00 per copy
Interim Statement Copy	$2.00 per copy
Copy of a share draft	$2.00 per item
Automatic Share to Share Draft transfer to prevent NSF fee	$2.00 per transfer
Automatic PSL to Share Draft transfer to prevent NSF fee	current APR
Non-sufficient funds (NSF) Share Drafts/ACH/ATM/Debit Card	$28.00 per item
Stop payment (Share Draft, ACH)	$28.00 per item
Stop payment (Corporate Check)	$10.00 per item
Incoming Wires	Not Available
Personal check printing	Varies depending upon style and quantity ordered
Account balancing assistance	$15.00 per statement
Replace ATM/Debit Card	$5.00
Debit/ATM Withdrawal Fee***	$1.00 per transaction
***Three (3) free withdrawals using ATM/Debit Card each month
Under Minimum Balance (on accounts required)	$5.00 per month
Membership Fee	$2.00