Account Type	Dividend Rate	APY*	Dividend Paid	Deposit Amount
Shares
	0.25%	0.25%	Quarterly	$25.00 - $2,499.00**
	0.35%	0.35%	Quarterly	$2,500.00 - $49,999.00**
	0.60%	0.60%	Quarterly	$50,000.00 and over**
Checking
	0.10%	0.10%	Monthly	$100.00$25.00**
Money Market
	0.50%	0.50%	Monthly	$2,500.00 - $24.999.00**
	0.65%	0.65%	Monthly	$25,000.00 - $49,999.00**
	0.90%	0.90%	Monthly	$50,000.00 and over**

Certificate Type	Dividend Rate	APY*	Dividend Paid	Minimum Deposit**
Term Share Certificates
6 Months	0.90%	0.90%	At Maturity	$1,000.00
1 Year	1.25%	1.25%	Quarterly	$1,000.00
18 Months	1.50%	1.50%	Quarterly	$1,000.00
2 Years	1.75%	1.75%	Quarterly	$1,000.00
2 1/2 Years	2.05%	2.05%	Quarterly	$1,000.00
3 Years	2.25%	2.25%	Quarterly	$1,000.00
4 Years	2.75%	2.75%	Quarterly	$1,000.00
5 Years	3.00%	3.00%	Quarterly	$1,000.00
IRA Term Share Certificates
1 Year	1.24%	1.25%	Quarterly	$1,000.00
18 Months	1.48%	1.50%	Quarterly	$1,000.00
2 Years	1.73%	1.75%	Quarterly	$1,000.00
2 1/2 Years	2.03%	2.05%	Quarterly	$1,000.00
3 Years	2.23%	2.25%	Quarterly	$1,000.00
4 Years	2.72%	2.75%	Quarterly	$1,000.00
5 Years	2.96%	3.00%	Quarterly	$1,000.00
IRA Share Account
	0.85%	0.85%	Quarterly	$25.00

Loan Type	Limits	Term	Security	Rate	APR*
Share Secured
	100% of Shares	up to 5 Years	Shares	3% over share rate or 5 year treasury rate whichever is higher
Student
	$7,500 per school year	up to 5 Years after graduation	Co-Maker (if needed)	6.000%	6.000%

Loan Type	Limits	Term	Security	Rates Starting From
Personal
	$0 - $7,500	up to 36 Months	Own Signature	8.500%
	$7,501 - $15,000	up to 60 Months	Co-Maker	8.650%
New Car, Truck, Van
	100% of Purchase	up to 36 Months	Title	4.750%
	100% of Purchase	up to 48 Months	Title	5.000%
	100% of Purchase	up to 60 Months	Title	5.250%
Used Car, Truck, Van
	90% of NADA Value	up to 36 Months	Title	4.750%
	90% of NADA Value	up to 48 Months	Title	5.000%
	90% of NADA Value	up to 60 Months	Title	5.250%
Vehicle Refinancing
	Available For the remainder of original loan term
Commercial Vehicles
	80% up to $100,000	up to 72 Months	Title	9.250%
Commercial Mortgages
	Non owner occupied(Investment Property, Business Property (Store Front)) 10 Year Balloon or 12 Year Fixed 0 Points			7.500%

Loan Type	Limits	Term	Security	Rate	APR*
1st time Homebuyer
	Up to 90% Financing	30 yrs. 2pts.	Mortgage Note	5.875%	6.096%
		30 yrs. 1pts.	Mortgage Note	6.125%	6.253%
		30 yrs. 0pts.	Mortgage Note	6.375%	6.409%
Mortgage
House or Condominium	Up to 80% Financing	30 yrs. 2pts	Mortgage Note	5.750%	5.969%
1-4 Family	up to $450,000	30 yrs. 1 pt.	Mortgage Note	6.000%	6.127%
Owner Occupied		30 yrs. 0 pt.	Mortgage Note	6.250%	6.283%
		20 yrs. 2 pts.	Mortgage Note	5.750%	6.021%
		20 yrs. 1 pt.	Mortgage Note	6.000%	6.147%
		20 yrs. 0 pt.	Mortgage Note	6.250%	6.272%
		15 yrs. 2 pts.	Mortgage Note	5.250%	5.611%
		15 yrs. 1 pt.	Mortgage Note	5.500%	5.707%
		15 yrs. 0 pt.	Mortgage Note	5.750%	5.803%
		10 yrs. 2 pts.	Mortgage Note	5.250%	5.762%
		10 yrs. 1 pt.	Mortgage Note	5.500%	5.793%
		10 yrs. 0 pt.	Mortgage Note	5.750%	5.824%

Loan Type	Limits	Term	Security	Rates Starting From
Home Equity Loan
	Up to 80% of Equity	5 year	Promissory Note	5.250%
	Up to $300,000	10 year	Promissory Note	5.750%
	Up to 90% Equity	5 year	Promissory Note	5.750%
		10 year	Promissory Note	6.750%
Home Equity Line of Credit (HELOC)***
	Up to 80% of Equity up to $150,000	Term determined by amount borrowed	Promissory Note	3.25% + 1.50% Prime Rate + 1.50%   for Term of Loan
	Up to 90% of Equity up to $150,000		Promissory Note	3.25% + 2.25% Prime Rate + 2.25%

* APR = Annual Percentage Rate
** Minimum Balance to Earn APY
*** Adjustable Rate Mortgage
Our rates are subject to change without notice.
Your loan rate is locked in for 30 days from the date of application.
NEW Business Loans Specifically for Investment purposes
Non-Owner Occupied Properties
75% Financing
Up to $450,000.00
10 Year Balloon / Using 25 Year ammortization table
12 Year Fixed