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Rates

Loan Rates - effective September 1, 2010**

The noted products below (Vehicles, Recreational Vehicles, Computer, Signature Loan & Lines) are part of our Performance Lending Program. Loan rates for these products are based on the evaluation of applicant credit rating, loan term, and rate type. The rates stated for these products are the lowest rate offered. Your rate may vary.

Loans	Rate	APR*	Term
New Vehicles
New Vehicle – Fixed (+ Click for details)	1.89	1.89	24
New Vehicle – Fixed (+ Click for details)	2.89	2.89	36
New Vehicle – Fixed (+ Click for details)	3.89	3.89	48
New Vehicle – Fixed (+ Click for details)	4.89	4.89	60
New Vehicle – Fixed (+ Click for details)	4.89	4.89	72
** New Vehicles - Fixed	5.25	5.25	48
** New Vehicles - Fixed	6.25	6.25	60
** New Vehicles - Fixed	6.25	6.25	72
** New Vehicles - Fixed Minimum loan amount of $30,000 is required.	7.00	7.00	84
Used Vehicles
Used Vehicle – Fixed (+ Click for details)	1.89	1.89	24
Used Vehicle – Fixed (+ Click for details)	2.89	3.89	36
Used Vehicle – Fixed (+ Click for details)	3.89	3.89	48
Used Vehicle – Fixed (+ Click for details)	4.89	4.89	60
** Used Vehicles - Fixed (Up to 125% NADA Trade Value or cur bal at another FI)	6.25	6.25	48
** Used Vehicles - Fixed (Up to 125% NADA Trade Value or cur bal at another FI)	6.75	6.75	60
** Used Vehicles - Fixed (Older: 91-02) Up to 100% NADA Trade/Another FI	7.50	7.50	48
** Used Vehicles - Fixed (Older: 91-02) Up to 100% NADA Trade/Another FI	8.75	8.75	60
Home Equity Loans/Lines of Credit
Home Equity Line of Credit ($5,000 - $10,000)	5.25	5.25	180
Home Equity Line of Credit ($10,001-$25,000)	4.75	4.75	180
Home Equity Line of Credit ($25,001 & up)	4.50	4.50	180
Home Equity Loan	7.75	7.75	60
Home Equity Loan	8.00	8.00	120
Home Equity Loan	8.25	8.25	180
Personal Loans/Lines of Credit
** Personal Loan - Fixed	8.75	8.75	60
** Personal Line of Credit (Overdraft Protection) - Fixed	8.25	8.25	60
Stock Loans
Stock Loan - Fixed	7.75	7.75	60
Stock Loan - Interest Only, Fixed	9.50	9.50	30
Stock LOC - Fixed	7.25	7.25	n/a
** Computer Loan - Fixed	8.50	8.50	48
IRA Loan - Interest Free		0.00	12
New and Used Recreational Vehicles
** New and Used RV Loans - Fixed (Motorcycles ATVs)	5.25	5.25	84
** New and Used RV Loans - Fixed (Travel Trailers, Motor Homes & Boats / Jet Skis)	6.25	6.25	120
** New and Used RV Loans - Fixed (Travel Trailers, Motor Homes & Boats / Jet Skis)	6.50	6.50	144
** New and Used RV Loans - Fixed (Travel Trailers, Motor Homes & Boats / Jet Skis)	6.75	6.75	240

* APR = Annual Percentage Rate. Rates we offer may change in the future. All variable rates are adjusted quarterly to the WSJ Prime Rate, currently, 3.25%. Maximum variable APR = 18%. * The above noted products (Vehicles, Recreational Vehicles, Computer, Signature Loan & Lines) are part of our Performance Lending Program. Loan rates for these products are based on the evaluation of applicant credit rating, loan term, and rate type. The rates stated for these products are the lowest rate offered. Your rate may vary. The above noted products (Home Equity Loans/Lines of Credit) required closing costs vary from $300 to $1,000 depending on the line amount and value of the home. Adequate property and flood insurance and an initial draw of $5,000 are required. Maximum APR is 18.00%. Floor rates apply to the Home Equity Line of Credit and Auto loan products. The floor rate on a Home Equity Line of Credit is 4.50% APR and the floor rate on Auto loans is 3.25% APR with AutoPay.
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+For qualified borrowers, loan rates are based on the evaluation of the applicant’s credit rating, loan term, and rate type. Rates valid on vehicle year models 2007-2010 only. Loan must close by September 30, 2010 to receive promotional rates. Cannot be combined with any other offer or coupons. AutoPay discount does not apply to this offer. Rates subject to change without prior notice.

Credit Card Rates – effective September 1, 2010

Credit Cards
Platinum MasterCard¹	Prime + 5.74 to 17.74	n/a
Business VISA Platinum²	Prime + 4.74	n/a

* APR = Annual Percentage Rate ¹The card’s variable rate will be based on an index equal to the Prime Rate as reported in the Wall Street Journal three (3) days prior to your statement billing date. APR is based on member’s creditworthiness.

²The U.S. Prime Rate published in the Wall Street Journal on the third business day prior to the account cycle/statement date determines the APR of the next cycle.

Savings, Money Market & Club Rates - effective September 1, 2010

Savings	Dividend Rate	APY*	Term
Share Savings: ($100 & Above)	0.10	0.10	n/a
Club Accounts	0.10	0.10	n/a
IRA Savings	0.20	0.20	n/a
Checking: Champions Checking (If daily balance falls below $25k, the APY will drop to 0.10%)	0.20	0.20	n/a
Checking: Signature	0.10	0.10	n/a
Checking: Basic	0.00	0.00	n/a
Checking: Elite Business Checking	0.10	0.10	n/a
Checking: Premier Business Checking	0.05	0.05	n/a
Checking: Freedom Business Checking	0.00	0.00	n/a
Money Market Accounts:$100,000 & Above	0.50	0.50	n/a
Money Market Accounts: $50,000 - $99,999	0.40	0.40	n/a
Money Market Accounts: $25,000 - $49,999	0.30	0.30	n/a
Money Market Accounts: $10,000 - $24,999	0.20	0.20	n/a
Money Market Accounts: $500 - $9,999	0.10	0.10	n/a

* APY = annual percentage yield. Rates we offer may change in the future. Compounded Monthly and posted monthly, except for IRA Savings: compounded daily and posted quarterly. If any fees occur on the above mentioned accounts it could reduce earnings on the account.
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Share & IRA Certificate Rates - effective September 1, 2010

Certificates	Dividend Rate	APY*	Term
6 Months	0.40	0.40	6
12 Months	0.50	0.50	12
18 Months	0.70	0.70	18
2 Years	1.25	1.26	24
3 Years	1.50	1.51	36
4 Years	2.00	2.02	48
5 Years	2.25	2.28	60
1 Year boom! Certificate (members ages 13-17 only)	0.50	0.50	12

* APY = annual percentage yield. Compounded daily, posted quarterly. $500 minimum to open. Substantial penalty for early withdrawal. All certificates are non-redeemable for the first six days of issuance. Rates we offer may change in the future. The APY is based on an assumption that dividends will remain on deposit until maturity. *boom! Program is for young adults ages 13-17. No minimum to open. Maximum allowed is $1500.00. Additional deposits in increments of $20.00 allowed. Once the boom! certificate reaches $1500.00 all dividends will post to the S1. Limit one (1) boom! certificate per youth member.
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