Rates and fees:
Effective 03/31/2009

Financial Loan Calculator: Loanliner

Share:
If minimum of $200 balance is met

• $1 - $1,999 - 0.75%
• $2000 and over - 1.75%

Christmas Club Accounts:
Dividend declared of 2.50% to be paid on 10/31/2010

• No withdrawals allowed unless closing account

Loan rates using our
performance based pricing:

Autos, Motocycles, Boats, ATV's and RV's:

Rates as low as:
• 4.75% - new 100% financing up to 60 months
• 5.00% - new 100% financing up to 72 months
• 5.50% - used financing & up to 60 months*

* Based on Black Book Value

Home Equity: 4.25% Fixed Base Rate
Maximum 10 year loan

• Financing up to 90% LTV (Loan to Value)
• Minimal closing costs

Home Equity: Line of Credit (Heloc) - 4.25% Variable Base Rate
Maximum 10 year loan. 5 year draw period.
Minimum $5000 first draw, minimum $1000 thereafter.

• Financing up to 90% LTV (Loan to Value)
• Minimal closing costs

Share Secured: 4.50% up to 72 month term

• Limited to available share balance

Signature: Starting as low as 8.00%

• $10,000 maximum up to 48 months financing

Debt Consolidation Loan: Starting as low as 10.00%

• Payoff your high interest rate credit cards
• Up to 48 months financing

Quick Cash Loan: 18.00% - special terms apply

• Fast $500 loan with a $50 fee
• Fast $750 loan with a $75 fee (monthly payments of $100)
• Must be paid in full within 6 months

All lending rates are subject to a risked based lending structure. Total of all unsecured balances per member is $10,000, excluding Quick Cash Loans. All share and loan rates are subject to change at the discretion of the Board of Directors, except in the instance of a previously advertised special whereby those special dates/terms are clearly disclosed and defined.