Rates effective 10/01/08 and subject to change without notice.

Loans Rate APR* Term  
New Auto   4.74 24 Calculator
New Auto   4.74 36 Calculator
New Auto   5.49 48 Calculator
New Auto   5.49 60** Calculator
Used Auto - 2006 - 2008, up to 48 months   5.99 48** Calculator
Used Auto - 2005 and older, up to 36 months   6.24 36** Calculator
Boat, Motorcycle, and RV Loans - NEW   7.99 60 Calculator
Boat, Motorcycle, and RV Loans - USED   8.99 36 Calculator
Personal  
9.99
12 Calculator
Personal  
11.99
24 Calculator
Personal   12.99 36 Calculator
Personal  
12.99
48 Calculator
Open End  
13.90
n/a Calculator
Mastercard  
12.90
n/a Calculator
Tuition   8.99 10 Calculator

 

*APR-Annual Percentage Rate
**Based on value these terms can be extended.
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Rates effective 10/06/08 and subject to change without notice.

Rate Points APR*
6.125 0 6.136

Mortgage - 15 Year Fixed rate

Rate Points APR*
5.875 0 5.894

Mortgage - 10 Year Fixed rate

Rate Points APR*
5.875 0 5.902

Mortgage - 3/1 Year Adjustable rate

Rate Points APR*
5.50 0 5.13

Rate Points APR*
6.00 0 7.380

Mortgage - 5/1 Adjustable rate

Rate Points APR*
5.75 0

5.216

Home Equity Line of Credit

Rate Points APR*
Prime-1.01** 0 Prime-.1.01**

**See our special offer

Home Equity - Fixed rate, 0-3 years
Rate Points APR*
5.50 0 5.50

Rate Points APR*
5.75 0 5.75

Home Equity - Fixed rate, 6-10 years

Rate Points APR*
6.375 0 6.375

Rate Points APR*
6.99 0 6.99

Home Improvement - up to 5 years

Rate Points APR*
6.50 0 6.50

Home Improvement - 5-10 years

Rate Points APR*
6.99 0 6.99

*APR-Annual Percentage Rate
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Rates effective 10/01/08 and subject to change without notice.
Fees or other conditions may reduce earnings on these accounts.

Savings Dividend Rate APY* Term
Share Account 0.50 0.50 n/a
NOW Checking (truncated) 0.100 0.100 n/a
NOW Checking (PicturePerfect) 0.05 0.05 n/a
Money Market (Savings and IRA)      
                $0-$999 0.50 0.50 n/a
                $1000-$9999 1.75 1.76 n/a
                $10,000-$24,999 2.00 2.02 n/a
                $25,000-$49,999 2.00 2.02 n/a
                $50,000-$74,999 2.25 2.27 n/a
                $75,000-$99,999 2.50 2.53 n/a
                Over $100,000 2.80 2.84 n/a
Members Money Market      
               $1000-$9999 1.75 1.76 n/a
               $10,000-$24,999 2.00 2.02 n/a
               Over $25,000 3.00 3.04 n/a
Christmas Club   0.50 n/a
Vacation Club $0-$999 0.50 0.50 n/a
Vacation club over $1000 0.75 0.75 n/a
Wiin Club      
                $0-$999
0.50
0.50 n/a
                $1000-$9999
1.75
1.76 n/a
                $10,000-$24,999
2.00
2.02 n/a
                $25,000-$49,999
2.00
2.02 n/a
                $50,000-$74,999
2.25
2.27 n/a
                $75,000-$99,999
2.50
2.53 n/a
                Over $100,000
2.80
2.84 n/a
IRA Share Account 0.500 0.500 n/a

*Annual Percentage Yield
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Rates effective 10/01/08 and subject to change without notice.

Fees or other conditions may reduce earnings on these accounts.

Penalty applies for early withdrawal.

Certificates  Dividend Rate APY* Term Minimum Deposit Required
6 month certificate 2.75 2.78 6 1000.00
9 month certificate 2.85 2.89 9 1000.00
11 month certificate 3.70 3.77 11 500.00
13 month certificate 3.10 3.15 13 500.00
15 month certificate 3.70 3.77 15 500.00
1 year certificate 3.70 3.77 12 500.00
2 year certificate 3.45 3.51 24 500.00
3 year certificate 3.55 3.61 36 500.00
5 year certificate 4.00 4.08 60 500.00
IRA 6 month certificate 2.75 2.78 6 1000.00
IRA 9 month certificate 2.85 2.89 9 1000.00
IRA 11 month certificate 3.70 3.77 11 500.00
IRA 13 month certificate 3.10 3.15 13 500.00
IRA 15 month certificate 3.70 3.77 15 500.00
IRA 1 year certificate 3.70 3.77 12 500.00
IRA 2 year certificate 3.45 3.51 24 500.00
IRA 3 year certificate 3.55 3.61 36 500.00
IRA 5 year certificate 4.00 4.08 60 500.00

*Annual Percentage Yield
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