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Rates

Checking Account Rates
Rates effective as of July 1, 2008
Account Balance Rate Annual % Yield
$0 - $499 0.00% 0.00%
$500 - $999 0.25% 0.25%
$1,000 - $1,999 0.25% 0.25%
$2,000 - $4,999 0.25% 0.25%
$5,000 - OVER 0.25% 0.25%

Share Savings Rates
Rates effective as of July 1, 2008
Account Balance Rate Annual % Yield
$0 - $99 0.00% 0.00%
$100 - $1,999 0.35% 0.35%
$2,000 - $9,999 0.50% 0.50%
$10,000 - $19,999 0.60% 0.60%
$20,000 - $39,999 0.65% 0.65%
$40,000 - OVER 0.65% 0.65%

Certificate of Deposit Rates
Rates effective as of July 1, 2008
Term Amount Rate Annual % Yield
6 Months $500 - $999 2.10% 2.12%
6 Months $1,000 - Over 2.60% 2.63%
12 Months $500 - $999 2.20% 2.20%
12 Months $1,000 - Over 2.70% 2.70%
18 Months $500 - $999 2.35% 2.35%
18 Months $1,000 - Over 2.85% 2.85%
24 Months $500 - $999 2.40% 2.40%
24 Months $1,000 - Over 2.90% 2.90%
36 Months $500 - $999 2.50% 2.50%
36 Months $1,000 - Over 3.00% 3.00%

Christmas Club Rates
Rates effective as of July 1, 2008
Account Balance Rate Annual % Yield
All Balances .75% .75%

Money Max Rates
Rates effective as of July 1, 2008
Account Balance Rate Annual % Yield
All Balances 1.50% 1.50%

IRA Rates
Rates effective as of July 1, 2008
Account Balance Rate Annual % Yield
All Balances 1.50% 1.50%

Vacation Club Rates
Rates effective as of March 31, 2003
Account Balance Rate Annual % Yield
All Balances .75% .75%

Loan Interest Rates
Rates effective as of July 1, 2008
Loans Rates as
low as		 APR Term
Vehicles 2004-2006 Call% Call% 48
Vehicles 2004-2006 Call% Call% 60
Vehicles 2004-2006 Call% Call% 66
Vehicles 2004-2006 Call% Call% 72
Vehicles 2002-2003 Call% Call% 48
Vehicles 2002-2003 Call% Call% 60
Vehicles 2002-2003 Call% Call% 66
Vehicles 2000-2001 Call% Call% 48
Vehicles 2000-2001 Call% Call% 54
Vehicles 1999 N/A% N/A% 36
Motorcycles 2003-2006 Call% Call% 60
Motorcycles 2002 and Older Call% Call% 48
New RV/Motor Home/Boat Call% Call% 84
Used RV/Motor Home/Boat Call% Call% 60
Signature Loan Call% Call% 36
Rates are subject to change        Credit Score may determine actual rate received
APR - Annual Percentage Rate

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