New & Used Cars and Trucks
APR as low as

5.24%*	Up to 60 months	2001-2008
5.49%*	Up to 72 months	2001-2008
6.49%	84 months ($20,000 minimum)	2001-2008

We will lend up to 100% of high NADA Blue Book on 2001-2008 model years.
If the loan amount exceeds the high NADA Blue Book & signature is used to
secure the loan, the interest rate may be increased.
Rebuilt/Restored 2001-2008 = 75% of low NADA Blue Book;
2000 & older = 60% of low NADA Blue Book.


2000 & Older Used Cars and Trucks
APR as low as

6.65%

Up to 60 months

2000 & Older

We will lend up to 100% of low NADA Blue Book on 2000 and older
model years. If the loan amount exceeds the high NADA Blue Book a
signature is used to secure the loan, the interest rate may be increased.


All RV's and All Motorcycles
APR as low as

5.65%	Up to 60 months	2001-2008
5.65%	61-72 months	2001-2008
6.49%	84-144 months ($20,000 minimum)	2001-2008
6.65%	Up to 60 months	2000 & Older

VISA Platinum/Platinum Plus/Debit
APR as low as

8.50%	Visa Platinum Credit Card	No annual Fee (see terms)
9.50%	Visa Platinum Plus Credit Card	No Annual Fee (see terms)
12.90%	Visa Debit Card (fixed rate)	No Annual Fee (see terms)

Unsecured (Signature Loans) /Share & Certificate
APR as low as

9.90%	12 Month Unsecured Loan
10.90%	24 Month Unsecured Loan
11.90%	36 Month Unsecured Loan
12.90%	48 Month Unsecured Loan
13.90%	60 Month Unsecured Loan
3.00% over highest declared dividend rate	Share Secured
3.00% over the CD rate	Certificate Secured

First Mortgage
APR as low as

____%

10-30 years

Call Mortgage Dept. for daily rate quotes, 260-7600.

Home Equity (Loan Line of Credit)
APR as low as

3.99% Intro **	< or = 80% LTV. No up-front fees with tax valuation Maximum loan $500,000. Introductory rate for 6 months. After introductory rate Prime minus .75%.
5.99% Intro **	> 80% LTV. No up-front fees with tax valuation Maximum loan $25,000. Introductory rate for 6 months. After introductory rate Prime plus 1.25%.

Second Mortgage (Closed-end)
APR as low as

5.50%	5 years	Will loan 80% of tax valuation notice or appraisal, minus 1st mortgage
6.50%	10 years	Will loan 80% of tax valuation notice or appraisal, minus 1st mortgage
7.50%	15 years	Will loan 80% of tax valuation notice or appraisal, minus 1st mortgage
7.75%	5 years	Will loan 100% of tax valuation notice, minus 1st mortgage ($25,000 maximum)
8.75%	10 years	Will loan 100% of tax valuation notice, minus 1st mortgage ($25,000 maximum)

Construction Loans
APR as low as

7.00%****

8-12 months

Call Mortgage Dept at 260-7600 for more information

Improved Land Loans
APR as low as

7.25%	10 years	50% of the appraised value
7.50%	10 years	85% of the appraised value

Prime interest rate = 5.00%
Historical Prime Rates

First mortgage rates change daily.
** Home Equity Loan Rate: The Wall Street Journal prime lending rate on the last day of each month, the maximum interest rate over the life of the loan is 18.00%. For a limited time, Home Equity Loans are available with no fees, based on tax valuation.
*** With loan 80% of tax valuation notice or appraisal, minus 1st mortgage. If an appraisal is needed, member pays $300.
**** Subject to change without notice. 1% increase for stated income.

Last Updated: May 30, 2008