Rates

SAVINGS (Share) ACCOUNT

  APR APY

*Savings (Share)              .10%         .10%
*Christmas Club              .10%          .10%
*IRA Savings                   .65%          .65%
*Health Savings              .75%          .75%
*$100 minimum to earn dividends.

**Money Market                .20%         .20%
**$2,500 minimum to earn dividends.

Rates are subject to change.  APY – Annual Percentage Yield. Rates shown are effective through quarter ending 06/30/14.

SAVINGS (Share) CERTIFICATE 

                            APR            APY

*  3 month             .15%            .15%
*  6 month             .30%           .30%
12 month               .40%           .40%
24 month               .65%           .65%
36 month               .80%           .80%
60 month             1.20%         1.21%

*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 8-17-12.

IRA SHARE CERTIFICATES

                           APR          APY

12 month              .40%         .40%
24 month              .65%         .65%
36 month              .80%         .80%
60 month            1.20%        1.21%

Rates are subject to change.  Effective 8-17-12.

LOAN RATES

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

                                                               APR

New Vehicles                                      2.24%
Used Vehicles                                     3.24%
New Motorcycles                                 2.74%
Used Motorcycles                                3.74%
New Rec Vehicles & Boats                   3.25%
Used Rec Vehicles & Boats                  4.25%
Signature                                           11.99%
Home Equity(Variable)                          4.00%     Up to 20 yr term based on unpaid balance.
Home Equity(Fixed)                             4.75%
Share/CD Secured                               3.00%     Above current rate earned on savings or CD.