Consumer Loan Rates:   Effective February 1, 2012

*APR - ANNUAL PERCENTAGE RATE - Rate based on credit history, term selected, and loan to value ratio.

New Auto
Term	Rates as low as (APR*)
Up to 12 Months	2.99%
13 - 24	2.99%
25 - 36	2.99%
37 - 48	2.99%
49 - 60	2.99%
61 - 72	3.99%
73 - 78	4.99%
79 - 84	4.99%

**$5.00 minimum share account balance required to apply for a loan.  A car loan of $20,000 with a 2-year term at 2.99% APR results in 24 monthly payments of approximately $85.96 per thousand.

Used Auto -  up to 2007 Model
Term	Rates as low as (APR*)
Up to 12 Months	2.99%
13 - 24	2.99%
25 - 36	2.99%
37 - 48	2.99%
49 - 60	2.99%
61 - 72	3.99%

**$5.00 minimum share account balance required to apply for a loan.  A car loan of $20,000 with a 3-year term at 3.75% APR results in 36 monthly payments of approximately $58.88 per thousand.

New & Used Motorcycle up to 2007 Model
Term	Rates as low as (APR*)
Up to 36 Months	3.99%
37 - 60	3.99%

**$5.00 minimum share account balance required to apply for a loan.  A motorcylcle loan of $10,000 with a 3-year term at 3.99% APR results in 36 monthly payments of approximately $29.52 per thousand.

125% Financing New & Used
Term	Rates as low as (APR*)
New Auto  - Up to 60 Months	10.50%
Used Auto - Up to 60 Months	10.75%

**$5.00 minimum share account balance required to apply for a loan.  A car loan of $20,000 with a 5-year term at 10.50% APR results in 60 monthly payments of approximately $43.00 per thousand.

Personal Loans
Term	Rates as low as (APR*)
Up to 12 Months	10.00%
13-24	10.00%
25-36	12.00%
37-48	12.00%
49-60	12.00%

**$5.00 minimum share account balance required to apply for a loan.  A personal loan of $15,000 with a 3-year term at 12.00% APR results in 36 monthly payments of approximately $49.85 per thousand.

Life Style Loan
Term	Rates as low as (APR*)
Up to 60 Months	8.25%

**$5.00 minimum share account balance required to apply for a loan.  A personal loan of $10,000 with a 5-year term at 8.25% APR results in 60 monthly payments of approximately $20.40 per thousand.

Recreational Vehicle Loan
Term	Rates as low as (APR*)
Up to 36 Months	6.50%
37 - 60	6.50%
61 - 84	7.50%
85 - 120	8.50%

**$5.00 minimum share account balance required to apply for a loan.  A recreational loan of $20,000 with a 3-year term at 6.50% APR results in 36 monthly payments of approximately $61.32 per thousand.

Home Improvement Loan - Maximum Loan Amount $10,000
Term	Rates as low as (APR*)
Up to 12 Months	7.99%
13 - 24	7.99%
25 - 36	9.99%
37 - 48	9.99%
49 - 60	9.99%

**$5.00 minimum share account balance required to apply for a loan.  A home improvement loan of $10,000 with a 3-year term at 7.99% APR results in 36 monthly payments of approximately $31.34 per thousand.

Home Equity Loans - 80%
Term	Rates as low as (APR*)
Up to 60 Months	4.25%
61 - 120	4.75%
121 - 180	5.25%
240	5.75%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 4.25% APR results in 60 monthly payments of approximately $370.06.  Payments do not include amounts for taxes and insurance premiums, if applicable; and that the actual payment obligation will be greater.  Property insurance is required.

Home Equity Loans - 90%
Term	Rates as low as (APR*)
Up to 60 Months	5.99%
61 - 120	6.35%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 5.99% APR results in 60 monthly payments of approximately $387.00.

Home Equity Loans - 100%
Term	Rates as low as (APR*)
Up to 60 Months	10.00%
61 - 120	10.50%

**$5.00 minimum share account balance required to apply for a loan.
An equity loan of $20,000 with a 5-year term at 5.99% APR results in 60 monthly payments of approximately $387.00.

Regular Rates not available-as low as

HELOC -  4.00% - this is a variable rate loan
Disclosure
75%	100k - 150k
80%	10k - 100k
90%	10k -  50k
Condo 75%	10k - 100k

**$5.00 minimum share account balance required to apply for a loan.  Maximum loan amount $150,000.  Maximum rate 18.0%.  Property insurance is required.  $35.00 annual fee.

Overdraft Protection
Term	Rates as low as (APR*)
Open ended - Line of Credit	18.00%

**$5.00 minimum share account balance required to apply for a loan.

Share Secured
Term	Rates as low as (APR*)
Up to 12 Months	Share 1 Rate + 3.00%
13 - 24	Share 1 Rate + 4.00%
25 - 60	Share 1 Rate + 5.00%

**$5.00 minimum share account balance required to apply for a loan.

Certificate Secured
Term	Rates as low as (APR*)
Up to 60 Months	Certificate Rate + 3.00%

**$5.00 minimum share account balance required to apply for a loan.

VISA Credit Card - Platinum
Disclosure	APR*
Rate is a variable rate based on member's creditworthiness	8.99%* - 17.99%*

**$5.00 minimum share account balance required to apply for a loan.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.