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APR refers to the annual percentage rate or the dividend rate.
APY refers to the annual percentage yield.

Loan Rates

Rates as of 7/1/2010.
Rate Description Term Payment Description APR APR Type
2008 -2010 Auto & Truck 3 Years - Rates starting at 36 Monthly payments at $29.97 per thousand borrowed 4.25% Fixed
2008 -2010 Auto & Truck 4 Years - Rates starting at 48 Monthly payments at $23.26 per thousand borrowed 4.75% Fixed
2008 -2010 Auto & Truck 5 Years - Rates starting at 60 Monthly payments at $19.33 per thousand borrowed 5.00% Fixed
2008 -2010 Auto & Truck 6 Years - Rates starting at 72 Monthly payments at $16.69 per thousand borrowed 5.50% Fixed
2004 -2007 Used Vehicles 3 Years - rates starting at 36 Monthly payments at $30.42 per $1000 borrowed 5.00% Fixed
2004 -2007 Used Vechicles 4 Years - Rates starting at 48 Monthly payments at $23.60 per thousand borrowed 5.25% Fixed
2004 -2007 Used Vehicles 5 Years - Rates starting at 60 Monthly payments at $19.68 per thousand borrowed 5.50% Fixed
Home Equity Line of Credit (Max. APR = 15.0%) Fixed up to 1 Year-Prime thereafter $15.00 per thousand borrowed - $75.00 minimum 5.50% Variable
Home Equity -Fixed Term 3 Year fixed rate or balloon 36 Monthly payments at $6.74 per thousand borrowed at 20 yrs 5.75% Fixed
Home Equity Fixed Term 5 Year fixed rate or balloon 60 Monthly payments at $7.02 per thousand borrowed at 20 yrs 6.00% Fixed
Home Equity Fixed Term 7 Year fixed rate 84 Monthly payments at $14.85 per thousand borrowed 6.75% Fixed
Personal Loans Up to 48 Months - starting at 48 Monthly payments at $23.83 per thousand borrowed 9.25% Fixed
*Annual Percentage Rate. Rate based on your credit history. Your actual rate may be higher.
*Rates as low as

Certificates
Rates as of 7/1/2010.
Rate Description Term Dividend Rates APY
$5000 Minimum Share Certificate 3 Months 0.30% 0.30%
$5000 Minimum Share Certificae 6 or 9 Months 0.35% 0.35%
$5000 Minimum Share Certificate 12 or 18 Months 0.50% 0.50%
$5000 Minimum Share Certificate 2 Years 0.75% 0.75%
$5000 Minimum Share Certificate 3 Years 1.05% 1.05%
$5,000 Minimum Share Certificate 4 Years 1.40% 1.40%
$1000 Minimum Share Certificate 3 Months 0.20% 0.20%
$1000 Minimum Share Certificate 6 or 9 Months 0.25% 0.25%
$1000 Minimum Share Certificate 12 or 18 Months 0.40% 0.40%
$1000 Minimum Share Certificate 24 Months 0.60% 0.60%
$1000 Minimum Share Certificate 3 Years 0.95% 0.95%
$1,000 Minimum Share Certificate 4 Years 1.20% 1.20%
*Annual Percentage Yield.
There may be a penalty for early withdrawal.

Savings/Shares Rates
Rates as of 7/1/2010.
Rate Description Term Dividend Rates APY
Regular Savings $100 Minimum 0.20% 0.20%
Youth Savings $25 minimum 0.20% 0.20%
Money Market $2500 Minimum 0.25% 0.25%
Money Market $10000 Minimum 0.30% 0.30%
Money Market $20000 Minimum 0.35% 0.35%
Christmas/Vacation Club $25.00 minimum 0.35% 0.35%
Freedom Club $25.00 minimum 0.45% 0.45%
*Annual Percentage Yield.
Fees could reduce earnings on your account.

IRAs

Rates as of 7/1/2010.
Rate Description Term Dividend Rates APY
IRA Variable Rate - $500 Min. Open Account 0.25% 0.25%
IRA Variable Rate - $10,000 Min. Open Account 0.40% 0.40%
IRA Certificate - $500 Min. 12 or 18 Months 0.40% 0.40%
IRA Certificate - $500 Min. 2 Years 0.60% 0.60%
IRA Certificate - $500 Min. 3 Years 0.95% 0.95%
IRA Certificate - $500 Min. 4 Years 1.20% 1.20%
IRA Certificate - $5,000 Min. 12 or 18 Months 0.50% 0.50%
IRA Certificate - $5,000 Min. 2 Years 0.75% 0.75%
IRA Certificate - $5,000 Min. 3 Years 1.05% 1.05%
IRA Certificate - $5,000 Min. 4 Years 1.40% 1.40%
*Annual Percentage Yield.
There may be a penalty for early withdrawal.
 
 

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