Rates

Rates

Loans | Savings | Certificates

Rates are subject to change.

Loans - RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE	Rate	APR*	Term
NEW AUTO - STANDARD FINANCING	5.000	5.000	24	Calculator
NEW AUTO - STANDARD FINANCING	5.500	5.500	36	Calculator
NEW AUTO - STANDARD FINANCING	6.000	6.000	48	Calculator
NEW AUTO - STANDARD FINANCING	6.000	6.000	60	Calculator
NEW AUTO - STANDARD FINANCING	6.000	6.000	72	Calculator
NEW AUTO - STANDARD FINANCING	6.250	6.250	84	Calculator
RV - RECREATIONAL VEHICLE	7.500	7.500	120	Calculator
MOTORCYCLE, BOAT, TRAILER/CAMPER	6.250	6.250	48	Calculator
COMPUTER LOANS - MAXIMUM $3,000 (SEE EDUCATION LOANS)	TIER	TIER	36	Calculator
BILL PAYER - (SEE UNSECURED LOANS)	TIER	TIER	48	Calculator
VISA CREDIT CARD	10.900	10.900	n/a	Calculator
MOBILE HOME - NEW	8.900	8.900	60	Calculator
MOBILE HOME - USED	9.900	9.900	60	Calculator
USED AUTO - 1 TO 4 YEARS OLD	6.500	6.500	60	Calculator
USED AUTO - UP TO 7 YEARS OLD	7.000	7.000	24	Calculator
USED AUTO - UP TO 7 YEARS OLD	7.000	7.000	36	Calculator
USED AUTO - UP TO 7 YEARS OLD	7.000	7.000	48	Calculator
HOME EQUITY - MAXIMUM $100,000 - 90% LOAN TO VALUE	6.000	6.000	60	Calculator
HOME EQUITY - MAXIMUM $100,000 - 90% LOAN TO VALUE	6.250	6.250	120	Calculator
HOME EQUITY - MAXIMUM $100,000 - 90% LOAN TO VALUE	7.000	7.000	180	Calculator
SHARE SECURED (2.00%APR OVER SUPER SHARE DIVIDEND)			48	Calculator
EDUCATION - MAXIMUM $25,000 TIER A (BASED ON CREDIT SCORE)	8.500	8.500	72	Calculator
EDUCATION - MAXIMUM $25,000 TIER B (BASED ON CREDIT SCORE)	9.500	9.500	72	Calculator
EDUCATION - MAXIMUM $25,000 TIER C (BASED ON CREDIT SCORE)	10.500	10.500	72	Calculator
UNSECURED - TIER A - BASED ON CREDIT SCORE	9.500	9.500	48	Calculator
UNSECURED - TIER B - BASED ON CREDIT SCORE	11.500	11.500	48	Calculator
UNSECURED - TIER C - BASED ON CREDIT SCORE	12.750	12.750	48	Calculator
UNSECURED - TIER D - BASED ON CREDIT SCORE	14.750	14.750	48	Calculator
UNSECURED - TIER E - BASED ON CREDIT SCORE	16.000	16.000	48	Calculator
UNSECURED - TIER F - BASED ON CREDIT SCORE	18.000	18.000	48	Calculator

*APR = Annual Percentage Rate
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RATES ARE SUBJECT TO CHANGE.

Savings	Dividend Rate	APY*	Term
REGULAR SHARES	.75	.76	n/a
PRIMARY SHARES	1.00	1.01	n/a
SUPER SHARES	1.25	1.26	n/a
SHARE DRAFT (CHECKING)	.50	.51	n/a

*APY = Annual Percentage Yield
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RATES ARE SUBJECT TO CHANGE.

Certificates - ANNUAL PERCENTAGE YIELDS AS OF 8/5/2004 - MINIMUM DEPOSIT $500 - A PENALTY WILL BE IMPOSED FOR THE EARLY REDEMPTION ON CERTIFICATES	Dividend Rate	APY*	Term
CUMULATIVE CERTIFICATE BALANCE
$500.00 - $19,999.99	2.75	2.75	3
	3.00	3.00	6
	3.05	3.05	9
	3.75	3.75	12
	4.00	4.00	18
	4.25	4.25	24
	4.25	4.25	30
	4.40	4.40	36
	4.70	4.70	48
	4.80	4.80	60
CUMULATIVE CERTIFICATE BALANCE
$20,000.00 - $84,999.99	2.85	2.85	3
	3.10	3.10	6
	3.15	3.15	9
	3.85	3.85	12
	4.10	4.10	18
	4.35	4.35	24
	4.35	4.35	30
	4.50	4.50	36
	4.80	4.80	48
	4.90	4.90	60
CUMULATIVE CERTIFICATE BALANCE
$85,000.00 AND ABOVE
	2.95	2.95	3
	3.20	3.20	6
	3.25	3.25	9
	3.95	3.95	12
	4.20	4.20	18
	4.45	4.45	24
	4.45	4.45	30
	4.60	4.60	36
	4.90	4.90	48
	5.00	5.00	60


IRA CD'S - INTEREST PAID MONTHLY
CUMULATIVE CERTIFICATE BALANCE
$500.00 - $19,999.99	2.75	2.79	3
	3.00	3.04	6
	3.05	3.09	9
	3.75	3.79	12
	4.00	4.04	18
	4.25	4.30	24
	4.25	4.30	30
	4.40	4.46	36
	4.70	4.76	48
	4.80	4.86	60
CUMULATIVE CERTIFICATE BALANCE
$20,000.00 - $84,999.99
	2.85	2.89	3
	3.10	3.14	6
	3.15	3.19	9
	3.85	3.90	12
	4.10	4.15	18
	4.35	4.40	24
	4.35	4.40	30
	4.50	4.56	36
	4.80	4.86	48
	4.90	4.96	60

CUMULATIVE CERTIFICATE BALANCE
$85,000.00 AND ABOVE
	2.95	2.99	3
	3.20	3.24	6
	3.25	3.29	9
	3.95	3.99	12
	4.20	4.25	18
	4.45	4.50	24
	4.45	4.50	30
	4.60	4.66	36
	4.90	4.96	48
	5.00	5.06	60

*APY = Annual Percentage Yield
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