Effective July 1, 2007

Loan Type	Daily Periodic Rate	APR
Personal / Signature
(36 month est. repayment)	0.0321918%	11.75%
(48 month est. repayment)	0.0349315%	12.75%
(60 month est. repayment)	0.0376712%	13.75%
Tuition
(Up to 60 month est. repayment)	0.0226027%	8.25%
(Up to 120 month est. repayment)	0.0280822%	10.25%
Personal Service
Line of Credit	0.0438082%	15.99%
Share Secured	0.0164384%	6.00% min.**
**(3.00% over current dividend earned on pledged monies, rounded up to next quarter percent)
New or Used Car, Boats, RV's (up to 5 years old)
(48 month est. repayment)	0.0191507%	6.99%
(60 month est. repayment)	0.0218904%	7.99%
(72 month est. repayment)	0.0246301%	8.99%
(84 month est. repayment)	0.0273699%	9.99%
Used Car, Boats, RV's
Over 5 years old	0.0273699%	9.99%
Classic Cars	0.0273699%	9.99%
Farm Equipment
New	0.0246301%	8.99%
Used	0.0273699%	9.99%
Motorcycles
New	0.0273699%	9.99%
Used (up to 3 years old)	0.0301096%	10.99%
Used (over 3 years old)	0.0355890%	12.99%

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 3/31/08)
Regular Shares	0.75%	0.76%	$200 adb**
Special Shares	0.75%	0.76%	$200 adb**
Christmas/Vacation Clubs	0.75%	0.76%	$200 adb**
Share Drafts / Checking Accounts (effective 3/31/08)
Interest Checking	0.75%	0.76%	$500 min.
Senior Checking	0.75%	0.76%	$200 adb**
Share Certificates (effective 6/23/08)
3 months	1.50%	1.51%	$500
6 months	1.65%	1.66%	$500
12 months	1.85%	1.86%	$500
Jumbo	2.15%	2.17%	$5,000

*Annual Percentage Yield (APY)

**Average Daily Balance

Rates are subject to change without notice.

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 8/29/06

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	$5.00
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