LOANS TYPE
Effective as of 2-1-2010
Account Type Annual Percentage Rate
New and Used Vehicle Loans Rates as low as 5.45%*APR
Recreational Vehicle Loans Rates as low as 8.25%*APR
Other Consumer Loans Rates as low as 9.75%**APR
Unsecured Term Loans Rates as low as 11.50%**APR
Home Equity Line of Credit Rates as low as 4.00***APR
Health Care Financing Rates as low as 8.00% ** APR
* Rates depends on your credit qualifications and the vehicle mileage
** Rates depends on your credit qualifications
***Rates depends on your credit qualifications and the amount of equity borrowed. This is a variable rate loan and the maximum rate could be 18%

VISA CREDIT CARD
Effective as of
Account Type Annual Percentage Rate (APR)

Deposit Accounts
Effective as of 2-10-2010
Account Type Annual Percentage Yield (APY)
Savings  .50% 
Checking  .50% 
IRA Savings  .50% 
Christmas Club Savings  .50% 
91 Day Certificate of Deposit  1.05% 
182 Day Certificate of Deposit  1.35% 
1 year Certificate of Deposit  1.70% 
13 month Student Certificate of Deposit  1.90% 
1 1/2 year Certificate of Deposit  1.80% 
2 1/2 year Certificate of Deposit  2.30% 
4 year Certificate of Deposit  2.80% 
Health Savings Account  .50%