Rates



Rates

Risk-Based | Loans | Savings | Certificates

SECURED COLLATERAL - AUTOS, BOATS**, SNOWMOBILES, ATVS, RV TRAILERS**, LOAN RATES

Loan Rates effective 05/01/2008 and subject to change.

Collateral Loans	APR%*
2007-2008 Auto and Motorcycles	4.50-15.00
2004-2006 Auto and Motorcycles	4.90-15.90
1999-2003 Auto and Motorcycles	7.00-18.00

2008 Recreational Vehicles	6.65-17.15
2004-2007 Recreational Vehicles	7.25-17.75
1999-2003 Recreational Vehicles	8.25-18.00

*APR = Annual Percentage Rate
** = May be financed up to Ten (10) years

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Loan Rates effective 05/01/2008 and subject to change.

Real Estate Collateral

*APR%

Amount

Up To 5 Years

80% Home Equity Fixed 5.99
100K**

90% Home Equity Fixed 7.24 50K**

100% Home Equity Fixed 8.75 30K**

5 To 15 Years

80% Home Equity Fixed 6.99 100K**

90% Home Equity Fixed 8.25 50K**

100% Home Equity Fixed 9.75 30K**

Home Improvement 11.50 20K**

Up To 15 Years

80% Home Equity LOC - Draw Period 1st 5 Years 5.50-6.75 100K**

*APR = Annual Percentage Rate
** = Maximum Amount
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Rates effective 05/01/2008 and subject to change.

Loans

APR%*

VISA Classic
12.90

VISA Platinum
9.90

Overdraft
12.90

Signature
16.00

Line of Credit
12.90

Share Secured
4.50

*APR = Annual Percentage Rate

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Savings Rates effective May 1, 2008 and are subject to change.

Savings Dividend Rate APY* Term Minimum Balance

Regular Shares 0.500 0.500 n/a 5.00

Money Market Account Tier 1 1.100 1.110 n/a
0.01 - 9,999.99

Money Market Account Tier 2 2.000 3.020 n/a
10,000-24,999.99

Money Market Account Tier 3 2.250 2.270 n/a 25,000-49,999.99

Money Market Account Tier 4 2.500 2.530 n/a 50,000 -99,999.99

Money Market Account Tier 5 3.000 3.040 n/a 100,000 and above

Lifestyle Checking (Share Draft) Tier 1
0.500
0.500 n/a 400.00

Lifestyle Checking (Share Draft) Tier 2 1.750
1.760
n/a 5000.00

Christmas Club 0.500 0.500 n/a

IRA Deposit Account 2.000 2.020 n/a

*APY = Annual Percentage Yield
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Rates effective May 1, 2008
and subject to change.

Certificates Dividend Rate APY* Term

SPECIAL - 7 Month Certificate ($5,000.00 Minimum Deposit) 2.950 2.980
7

SPECIAL - 11 Month Certificate ($10,000.00 Minimum Deposit) 3.050 3.090 11

3 Month Share Certificate 2.350 2.370 3

6 Month Share Certificate 2.650 2.680 6

1 Year Share Certificate 2.900 2.930
12

2 Year Share Certificate 3.100 3.140 24

3 Year Share Certificate 3.300 3.340 36

4 Year Share Certificate 3.450 3.500 48

5 Year Share Certificate 3.750 3.810 60

3 Year "Step Up" Rate Certificate 3.300 3.340 36

5 Year "Step Up" Rate Certificate 3.750 3.810 60

IRA 1 Year Certificate 2.900 2.930 12

IRA 2 Year Certificate 3.100 3.140 24

IRA 3 Year Certificate 3.300 3.340 36

*APY = Annual Percentage Yield
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