DIVIDEND RATES Effective: December 14th, 2011 Certificate of Deposit Rates are subject to change daily.
Account Type	Annual Percentage Rate	Annual Percentage Yield	Eligible Amount
Share Savings Accounts	0.50%	0.50%	Balances over $100
Club Accounts	0.80%	0.80%	Balances over $100
Certificates of Deposit / 6 months	0.65%	0.65%	$500 minimum deposit required
Certificates of Deposit / 9 months	0.75%	0.75%	$500 minimum deposit required
Certificates of Deposit / 12 months	0.85%	0.85%	$500 minimum deposit required
Certificates of Deposit / 18 months	1.00%	1.00%	$500 minimum deposit required
Certificates of Deposit / 24 months	1.15%	1.15%	$500 minimum deposit required

LOAN RATES Effective: December 20th, 2011
Loan Type	Term (months)	Rate as low as*  (rates are based on applicant's credit bureau score and various discounts)
Vehicle Loans: 2012/11/10 models	72	3.00%*
Vehicle Loans: 2009/08/07 models (Can go up to 72 mos if amount is $15,000 or more)	72	4.50%*
Vehicle Loans: 2006 models	60	5.50%*
Vehicle Loans: 2005-2002 models ( up to $10,000)	48	5.50%*
Vehicle Loans: 2005-2002 models ($10,000 and over)	60	5.50%*
Vehicle Loans: 2001 and earlier models (up to $8,000)	36	5.50%*
Vehicle Loans: 2001 and earlier models ($8,000 and over)	48	5.50%*
Computer Loans ($3,500 maximum - 100% of purchase price)	36	7.00%*
Lawnmowers/Farm Equipment (up to $50,000 - 95% of appraised value)	72	5.00%*
Signature Loans	60	11.00%*
Christmas/Vacation Loans	24	8.00%*
MasterCard		13.90%
Share Secured Loans	72	3.25%**
CD Secured Loans	match CD	rate + 2.50%**

LOAN TERMS

*Rates are based on applicant's credit bureau score.  Rate stated is with "A" paper.  0.50% discount is included in stated rate for auto payment or payroll deduction. **Rates include 0.50% discount for auto payment or payroll deduction. Rates are subject to credit approval. 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.