Loan Rates                                            Rates effective as of 01/01/09

Auto, Truck & Motorcycle (includes classic cars)
Term	Annual Percentage Rate	Notes:	Security
01 - 36 mo. as low as 37 - 60 mo. as low as 61 - 72 mo. as low as 73 - 84 mo. as low as	5.99% 6.49% 6.99% 7.49%		Auto Truck Motorcycle
Untitled Collateral (ATV, Jetski, snowmobile)
Term	Annual Percentage Rate	Notes:	Security
01 - 36 mo. as low as 37 - 60 mo. as low as	9.35% 10.40%
New Boats / RVs (2007 and newer)
Term	Annual Percentage Rate	Notes:	Security
01 - 84 mo. as low as 85 - 180 mo. as low as	8.10% 8.35%
Used Boats / RVs (2006 and older)
Term	Annual Percentage Rate	Notes:	Security
01 - 72 mo. as low as 73 - 120 mo. as low as	9.05% 10.30%
Mortgage Rates
Check Current Rates
Home Equity, 1st position
Term	Annual Percentage Rate	Notes:	Security
01 - 60 mo. as low as 61 - 120 mo. as low as 121 - 180 mo. as low as 181 - 240 mo. as low as	5.44% 5.84% 6.24% 6.64%		Owner occupied property
Home Equity, 2nd position
Term	Annual Percentage Rate	Notes:	Security
01 - 60 mo. as low as 61 - 120 mo. as low as 121 - 180 mo. as low as 181 - 240 mo. as low as	6.44% 6.84% 7.24% 7.64%		Owner occupied property
Home Equity Line of Credit	(draw on balance  as  needed with  your HELOC checkbook)
Term	Annual Percentage Rate	Notes:	Security
5 year draw, then 15 year repayment, as low as	4.000%	Loan to value - 80% max. of $75,000	Owner occupied property
Visa Platinum Credit Card
Term	Annual Percentage Rate	Notes:	Security
Revolving	9.9%	Max. of $25,000	signature
Visa Classic Credit Card
Term	Annual Percentage Rate	Notes:	Security
Revolving	13.9%	Max. of $10,000	signature
Visa Starter/Student Credit Card
Term	Annual Percentage Rate	Notes:	Security
Revolving	15.9%	Max. of $1,000	signature
Visa Secured Credit Card
Term	Annual Percentage Rate	Notes:	Security
Revolving	16.9%	Max. as secured with shares	signature
Personal Loan
Term	Annual Percentage Rate	Notes:	Security
01 - 12 mo. as low as 13 - 30 mo. as low as 31 - 48 mo. as low as 49 - 60 mo. as low as	10.99% 11.99% 12.49% 13.49%		signature
Overdraft Protection
Term	Annual Percentage Rate	Notes:	Security
Revolving	18%		signature
Write Line of Credit
Term	Annual Percentage Rate	Notes:	Security
Revolving	13.9%		signature
Share Secured Loan
Term	Annual Percentage Rate	Notes:	Security
up to 144 months	Variable	3% above dividend paid on regular shares	signature

LTV = Loan to Value

* Unsecured
Aggregate Limit Per Member - $35,000.

** Secured
Aggregate Limit Per Member (Excluding Real Estate - $100,000).
Aggregate Limit Per Member (Including Real Estate - $325,000).

*** Risk based pricing in effect.
Maximum interest rate does not exceed 18%

Copy of most recent paystub should accompany the loan application. Please note - these are maximum terms and amounts. Each loan is made on the basis of the member's individual qualifications at the time of application. Consequently, not every member can qualify for the maximum term and or lowest interest rate available. Interest is calculated on the unpaid balance of the loan after each principal payment, and accrues daily. All payments are applied first to interest, then principal.