Rates

SAVINGS (Share) ACCOUNT

  APR APY

*Savings (Share)              .15%         .15%
*Christmas Club              .15%          .15%
*IRA Savings                  1.10%        1.11%
*Health Savings             1.50%        1.51%
*$100 minimum to earn dividends.

**Money Market                .50%         .50%
**$2,500 minimum to earn dividends.

Rates are subject to change.  Rates shown are effective through 3-31-12

SAVINGS (Share) CERTIFICATE 

                             APR            APY

*  3 month             .20%           .20%
*  6 month             .40%           .40%
12 month               .70%           .70%
24 month               .95%           .95%
36 month             1.20%         1.21%
60 month             1.50%         1.51%

*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 5-11-12.

IRA SHARE CERTIFICATES

                          APR          APY

12 month              .70%         .70%
24 month              .95%         .95%
36 month            1.20%       1.21%
60 month            1.50%       1.51%

Rates are subject to change.  Effective 5-11-12.

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