Rates

Deposit Rates

Shares: Dividends paid quarterly
$5.00 - $4,999 0.10% APY 0.10%
$5,000 - $9,999 0.25% APY 0.25%
$10,000 - $24,999 0.50% APY 0.50%
$25,000 - $49,999 0.75% APY 0.75%
$50,000 & Over 1.00% APY 1.00%
Holiday Club 0.10% APY 0.10%
Vacation Club 0.10% APY 0.10%
My Club 0.10% APY 0.10%

Certificates:
6-Month: Dividends paid at maturity
$500 Minimum - 0.75% APY 0.75%

1-Year: Compounded monthly
$1000-$4,999 0.80% APY 0.80%
$5,000-$9,999 0.90% APY 0.90%
$10,000-$24,999 1.00% APY 1.00%
$25,000-$49,999 1.10% APY 1.11%
$50,000-$100,000+ 1.20% APY 1.21%

2 -Year: Compounded monthly
$1000-$4,999 1.05% APY 1.06%
$5,000-$9,999 1.15% APY 1.16%
$10,000-$24,999 1.25% APY 1.26%
$25,000-$49,999 1.35% APY 1.36%
$50,000-$100,000+ 1.45% APY 1.46%

3 -Year: Compounded monthly
$1000-$4,999 1.30% APY 1.31%
$5,000-$9,999 1.40% APY 1.41%
$10,000-$24,999 1.50% APY 1.51%
$25,000-$49,999 1.60% APY 1.61%
$50,000-$100,000+ 1.70% APY 1.71%

4 -Year: Compounded monthly
$1000-$4,999 1.55% APY 1.56%
$5,000-$9,999 1.65% APY 1.66%
$10,000-$24,999 1.75% APY 1.76%
$25,000-$49,999 1.85% APY 1.87%
$50,000-$100,000+ 1.95% APY 1.97%

5 -Year: Compounded monthly
$1000-$4,999 1.80% APY 1.81%
$5,000-$9,999 1.90% APY 1.92%
$10,000-$24,999 2.00% APY 2.02%
$25,000-$49,999 2.10% APY 2.12%
$50,000-$100,000+ 2.20% APY 2.22%

IRA: Dividends paid quarterly
$5.00 - $4,999 1.00% APY 1.00%
$5,000 - $9,999 1.25% APY 1.26%
$10,000 - $24,999 1.50% APY 1.51%
$25,000 - $49,999 1.75% APY 1.76%
$50,000 - $100,000+ 2.00% APY 2.02%

Money Market: Dividends paid monthly
$2,500 - $24,999 0.50% APY 0.50%
$25,000 - $49,999 0.75% APY 0.75%
$50,000 - $74,999 1.00% APY 1.00%
$75,000 - $99,999 1.25% APY 1.26%
$100,000 & Over 1.50% APY 1.51%

Business Share Account
0.10% APY 0.10%

Business Draft (Checking)
$2,500 - $24,999 0.50% APY 0.50%
$25,000 - $49,999 0.75% APY 0.75%
$50,000 - $74,999 1.00% APY 1.00%
$75,000 - $99,999 1.25% APY 1.26%
$100,000 & Over 1.50% APY 1.51%

SHARE DRAFTS: Dividends paid monthly
$500 minimum - .10% APY .10%

APY = Annual Percentage Yield
DECLARATION OF DIVIDENDS AS OF 6/30/09
EFFECTIVE 7/1/09
Early withdrawal penalties will or may be imposed for early withdrawal
Fees could reduce earnings
Dividend rates, terms & conditions are subject to change without notice.
Contact a representative for additional information and disclosures

Loan Rates

Effective: 4/1/2009

*APR = Annual percentage rate. All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, age of vehicle/equipment and personal credit history. Rates quoted are subject to change. Some restrictions may apply. Equal Opportunity Lender.

Please contact a loan officer at 1-800-221-4179 for additional information.