Rates

Loans| Mortgage| Savings| Certificates

Loans	Rate	APR*	Term
Model Year 2007 to 2008 New/Used Vehicles	5.25 to 11.50	5.25 to 11.50	0 to 66	Calculator
Model Year 2007 & 2008 New/Used Vehicles **	5.50 to 13.00	5.50 to 13.00	67 to 84	Calculator
Model Year 2001 - 2006	5.50 to 12.50	5.50 to 12.50	42 to 66	Calculator
Signature	8.90 to 13.90	8.90 to 13.90	60	Calculator
Home Equity Loans	5.50	5.50	60	Calculator
Home Equity Loans	6.00	6.00	120	Calculator
Home Equity Loans	6.50	6.50	180	Calculator
Home Improvements - 80% loan to value	5.50	5.50	60	Calculator
Home Improvements - 80% loan to value	6.00	6.00	120	Calculator
Home Improvements - 80% loan to value	6.50	6.50	180	Calculator
Home Improvements - 120% loan to value	8.75	8.75	120	Calculator
Recreational Vehicles - New	7.50	7.50	120	Calculator
Recreational Vehicles - Used	8.50	8.50	72	Calculator
Camping Trailers/Boats - New	7.50	7.50	60	Calculator
Camping Trailers/Boats - Used	8.50	8.50	48	Calculator

*APR is Annual Percentage Rate
Rates subject to change without notice. All Loans subject to credit approval.
**$20,000 MSRP required for 67 to 72 month term.
$35,000 MSRP required for 73 to 84 month term.

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Mortgage Loans - 15 year

Rate	Points	APR*
5.375	0	5.375

Mortgage Loans - 30 year

Rate	Points	APR*
5.875	0	5.875

*APR is Annual Percentage Rate
1% Origination Fee
All loans subject to credit approval. Rates subject to change without notice. Rates accurate as of
May 8, 2008
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Savings	Dividend Rate	APY*	Term
Share Account - Average Daily Balance over $50	o.750	0.750	n/a
Premier Checking - Average Daily Balance $1,000 - $4,999	.250	.250	n/a
Premier Checking - Average Daily Balance over $5,000	.750	.750	n/a
Money Market Account - Average Daily Balance $2,500 to $24,999 Money Market Account - Average Daily Balance of $25,000 or more	2.25 2.75	2.27 2.78	n/a
Youth Club Account	4.00	4.00	12

*APY is Annual Percentage Yield
The APY is accurate as of the last dividend declaration date. Rates are subject to change without notice. Fees could reduce earnings on accounts.
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Certificates	Dividend Rate	APY*	Term
Three Month Term Share Certificate	2.40	2.42	3
Six Month Term Share Certificate - Regular and IRA	2.55	2.57	6
One Year Term Share Certificate - Regular and IRA	3.25	3.29	12
Two Year Term Share Certificate - Regular and IRA	3.35	3.39	24
Three Year Term Share Certificate - Regular and IRA	3.60	3.65	36
Four Year Term Share Certificate - Regular and IRA	3.80	3.85	48
Five Year Term Share Certificate - Regular and IRA	4.10	4.16	60
Vacation Club Account (limit $10,000)	3.25	3.25	12
Christmas Club Account (limit $5,000)	5.00	5.00	12

*APY is Annual Percentage Yield
Minimum deposit required to open a Term Share Certificate is $500.00. Minimum required deposit to open a Vacation or Christmas Club Account is $5.00. Rates are subject to change without notice. Fees could reduce earnings on accounts. A penalty may or will be imposed for a early withdrawal. The APY is accurate as of
May 8, 2008.
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