Rates

SAVINGS (Share) ACCOUNT

  APR APY

*Savings (Share)              .55%          .55%
*Christmas Club              .55%          .55%
*IRA Savings                  1.85%        1.86%
*Health Savings             2.00%        2.02%
*$100 minimum to earn dividends.

**Money Market              1.10%        1.11%
**$2,500 minimum to earn dividends.

Rates are subject to change.  Rates shown are effective through 6-30-10

SAVINGS (Share) CERTIFICATE 

                             APR            APY

*  3 month             .50%           .50%
*  6 month             .75%            75.%
12 month             1.15%         1.16%
24 month             1.50%         1.51%
36 month             1.50%         1.51%
60 month             1.75%         1.76%

*Minimum amount for deposit is $1,000.
All other terms have a minimum of $500.

A penalty may apply for early withdrawal.

Rates are subject to change.  Effective 9-01-10.

IRA SHARE CERTIFICATES

                          APR          APY

12 month           1.15%        1.16%
24 month           1.50%       1.51%
36 month           1.50%       1.51%
60 month           1.75%       1.76%

Rates are subject to change.  Effective 9-01-10.

LOAN RATES

All rates are based on credit scores.  Rates can be as low as:

New Vehicles                         5.40%
Used Vehicles                        5.75%
Rec Vehicles                          6.00%
Signature                              11.50%
Home Equity(Variable)           4.25%     Up to 20 yr term based on unpaid balance.
Home Equity(Fixed)               4.50%
Share/CD Secured                3.00%     Above current rate earned on savings or CD.

VISA CREDIT CARDS

Platinum               9.50%    APR
Classic                13.90%   APR