Loan Rates - Effective January 1, 2010

Loan Type	APR**	Term
Home Equity Line of Credit¹
Up to 80% Loan-To-Value	as low as Prime Rate - 1%¹	Revolving
80.01% to 85% Loan-To-Value	as low as Prime Rate - .25%¹	Revolving
Prime Rate effective 5/1/09 is 3.25% APR. The minimum APR is 4% APR. The maximum rate is 18% APR. Important Home Equity Line of Credit Disclosure Information $199 application fee applies.
Loan Type	APR**	Term
Home Equity Loan
Up to 80% Loan-To-Value	as low as 5.49%*	up to 60 months
	as low as 5.49%*	61 - 120 months
	as low as 5.99%*	121 - 180 months
	as low as 6.24%*	181 - 240 months
80.01% to 85% Loan-To-Value	as low as 6.74%*	up to 60 months
	as low as 6.74%*	61 - 120 months
	as low as 7.24%*	121 - 180 months
	as low as 7.49%*	181 - 240 months
$199 application fee applies.
Loan Type	APR**	Term
Personal/Unsecured Loan
Borrow up to $15,000*	as low as 8%*	up to 60 months
Loan Type	APR**	Term
Personal/Unsecured Line of Credit
Borrow up to $15,000*	as low as 8%*	Revolving
Loan Type	APR**	Term
New Automobile Loan Borrow up to 115% of purchase price (include taxes/tags and or warranty)*
2009 or New 2008 model	as low as 4.99%*	up to 60 months
	as low as 5.24%*	61 - 72 months
	as low as 5.49%*	73 - 84 months
Deduct .50% APR off the New Auto Rate if financing 80% of purchase price. Must borrow $15,000 or more for 61-72 month term or borrow $20,000 or more for 73-84 month term.
Loan Type	APR**	Term
Used Automobile Loan Borrow up to 115% of NADA retail value of vehicle (include taxes/tags and or warranty)*
2008 model or newer	as low as 4.99%*	up to 60 months
	as low as 5.49%*	61 - 72 months
	as low as 5.74%*	73 - 84 months
2007 model	as low as 5.74%*	up to 60 months
2005-2006 model	as low as 5.99%*	up to 48 months
2003-2004 model	as low as 6.24%*	up to 36 months
Must borrow $15,000 or more for 61-72 month term or borrow $20,000 or more for 73-84 month term.
Loan Type	APR**	Term
Pledged Share
	current share rate + 2%	up to 36 months
	current share rate + 3%	37 - 120 months
Must borrow $75,000 or more for 61-120 month term.
Loan Type	APR**	Term
Pledged Certificate
	rate of certificate + 2%	remaining term of certificate

** APR means Annual Percentage Rate

¹ This is a variable rate loan product. The APR can change on the first day of each month. The APR is based on the value of an "Index" plus or minus a margin. The Index is Prime Rate published in the Money Rates Section of The Wall Street Journal. When a range of rates has been published, the highest rate will be used. APR, margin, loan to value and/or amount borrowed are all subject to applicant(s) credit worthiness.

* APR, terms of loan, loan to value and/or amount borrowed are all subject to applicant(s) credit worthiness.

Rates are subject to change without notice. All loans are subject to credit approval. Other conditions may apply. There are no prepaid finance charges.

Home Equity - The monthly payment per $1,000 at 5.49% for 60 months would be $19.10
Home Equity - The monthly payment per $1,000 at 5.49% for 120 months would be $10.85
Home Equity - The monthly payment per $1,000 at 5.99% for 180 months would be $8.44
Home Equity - The monthly payment per $1,000 at 6.24% for 240 months would be $7.31
New Auto - The monthly payment per $1,000 at 4.99% for 60 months would be $18.87
Personal/Unsecured - The monthly payment per $1,000 at 8% for 60 months would be $20.28