DIVIDEND RATES Effective:  June 16, 2010
Account Type	Annual Percentage Rate	Annual Percentage Yield	Eligible Amount
Share Savings Accounts	0.95%	0.95%	Balances over $100
Club Accounts	1.10%	1.11%	Balances over $100
Certificates of Deposit / 6 months	1.10%	1.11%	$500 minimum deposit required
Certificates of Deposit / 9 months	1.25%	1.26%	$500 minimum deposit required
Certificates of Deposit / 12 months	1.55%	1.56%	$500 minimum deposit required

LOAN RATES (special rates effective through 7-31-10)
Loan Type	Term (months)	Rate	Rate (with payroll deduction or auto-checking payment)
Share Secured Loans	72	4.00%	3.50%
CD Secured Loans	match CD	rate + 3%	rate + 2.5%
Vehicle Loans: 2010/09/08 models	up to 48	4.50%	4.00%
	49-72	4.50%	4.00%
Vehicle Loans: 2007/06 models (Can go up to 72 mos if amount is $18,000 or more)	up to 36	5.50%	5.00%
	37-72	5.50%	5.00%
Vehicle Loans: 2005 models	60	6.50%	6.00%
Vehicle Loans: 2004-2001 models ( up to $12,000)	48	6.50%	6.00%
Vehicle Loans: 2004-2001 models ($12,000 and over)	60	6.50%	6.00%
Vehicle Loans: 2000 and earlier models (up to $10,000)	36	6.50%	6.00%
Vehicle Loans: 2000 and earlier models ($10,000 and over)	48	6.50%	6.00%
Computer Loans ($3,500 maximum - 100% of purchase price)	36	6.50%	6.00%
Lawnmowers/Farm Equipment ($15,000 maximum - 90% of appraised value)	60	6.50%	6.00%
Signature Loans	60	12.50%	12.00%
Christmas/Vacation Loans	11	10.50%	10.00%
MasterCard	60	13.90%	13.90%

LOAN TERMS

These rates apply to NEW money only. Up to 95% financing on sticker price on new vehicles. Up to 95% financing on NADA value of all used vehicles. Up to 80% financing on salvage title vehicles. Provided to you as a benefit, all loans carry credit life and joint credit life insurance up to $30,000 per loan if the borrower meets certain age requirements.  All loans are subject to pre-existing condition limitations. Credit disability insurance is now available for a minimal fee. Loan values are based on NADA values providing that the vehicles are in good condition.  The value of the vehicle will be left up to the discretion of the credit committee and vehicles may need to be viewed before advances are made.