Rates

Share/Savings Accounts

All Accounts	Div. Rate	APY *
APY = Annual Percentage Yield

Club Accounts

Christmas Savings	Div. Rate	.25 APY *
Rate may change after account is opened


Share Accounts

Regular Shares	Div. Rate	.25 APY *
$15 Minimum $99999 Maximum Rate may change. Fees may reduce earnings.
Regular	Div. Rate	APY *
Rates may change after account is opened


Share Certificate Accounts

12 Month Share Certificate	.25 Div. Rate	.25 APY *
$1000 Minimum $99999 Maximum Penalty for early withdrawal;
6 Month Share Certificate	.15 Div. Rate	.15 APY *
$1000 Minimum $99999 Maximum Early withdrawal penalty :
All certificates	Div. Rate	APY *
Rates are accurate as of 03/31/2013

Loan Accounts

Unsecured Loans (Signature)

Personal	8.00% APR	48 months
$200 Minimum $6000 Maximum Rate depends on Credit rating
Personal	9.00% APR	48 months
$200 Minimum $5000 Maximum Rate depends on credit rating
Personal	10.00% APR	48 months
$200 Minimum $4000 Maximum Rate depends on credit rating
Personal	11.00% APR	42 Months
$200 Minimum $3000 Maximum Rate depends on credit rating
Personal	13.00% APR	42 months
$200 Minimum $2000 Maximum Rate depends on credit rating
Personal	14.00% APR	36 months
$200 Minimum $1500 Maximum Rate depends on credit rating


Share-Secured Loans

Personal Loan	5.00% APR	72 Months
100% of available shares

Vehicle Loans

New Auto Loan	1.99-14.40% APR	72 Months
90% of MSRP Rate depends on credit rating