Rates

Savings Rates

Deposit Account Rates
Money Market Account Rates
Certificate Rates
IRA Certificate Rates
Jumbo Certificate Rates

Loan Rates

Auto Rates
Motorcycle Rates
Recreational Vehicle Rates
Boat, Motor and Trailer Rates
Personal Consumer Loan Rates
VISA Rates
MasterCard Rates
Mortgage Rates
Home Equity Rates

Deposit Rates

Effective Date: For Period Ending 02/28/10

Accounts Rate* APY (Annual Percentage Yield)

Savings Account 0.50% 0.50%

Christmas Account 0.50% 0.50%

Vacation Accounts 0.50% 0.50%

IRA Share Accoutnts 1.50% 1.51%

*Fees may reduce earnings on share accounts. Deposit Accounts are insured up to $500,000.00 ($250,000.00 Federal Insurance -thru 12/31/2013- and $250,000.00 Private Insurance)
**Share Account rates are variable and subject to change monthly.

Money Market Account Rates

Effective Date: For Period Ending 02/28/10

Minimum Balance Required to Earn Rate Rate* APY(Annual Percentage Yield)

$2,500 - $9,999 1.00% 1.01%

$10,000 - $24,999 1.20% 1.21%

$25,000 - $49,999 1.30% 1.31%

$50,000 - $99,999 1.40% 1.41%

$100,000 and up 1.50% 1.51%

*Money Market rates are variable and subject to change Monthly. Deposit Accounts are insured up to $500,000.00 ($250,000.00 Federal Insurance -thru 12/31/2013- and $250,000.00 Private Insurance)

Certificate Rates

Effective Date: 02/26/10

Term Rate* APY(Annual Percentage Yield) Minimum Balance

90 Days 1.00% 1.00% $500.00

180 days 1.20% 1.20% $500.00

12 Months 1.80% 1.81% $500.00

24 Months 2.00% 2.22% $500.00

36 Months 2.10% 2.12% $500.00

Early withdrawal penalties may apply on Certificate Accounts. Deposit Accounts are insured up to $500,000.00 ($250,000.00 Federal Insurance - thru 12/31/2013 and $250,000.00 Private Insurance)

IRA Certificate Rates

Effective Date: 02/26/2010

Term Rate* APY (Annual Percentage Yield) Minimum Balance

12 Months 1.80% 1.81% $500.00

24 Months 2.00% 2.02% $500.00

36 Months 2.10% 2.12% $500.00

Early withdrawal penalties amy apply on Certificate Accounts. IRA Accounts are insured up to $500,000.00 ($250,000.00 Federal Insurance - thru 12/31/2013- $250,000.00 Private Insurance)

Jumbo Certificate Rates

Effective Date: 02/26/10

Term Rate* APY(Annual Percentage Yield)

6 Month Jumbo* 1.40% 1.41%

12 Month Jumbo* 1.90% 1.92%

24 Month Jumbo* 2.10% 2.12%

36 Month Jumbo 2.15% 2.17%

Deposit Accounts are insured up to $500,00.00 ($250,000.00 Federal insureance - thru 12/31/2013 - $250,000.00 Private insurance)

* Jumbo Rates are subject to Change Daily

Auto Rates

Effective Date: 02/26/10

Loan Type Term Rate As Low As APR*

New Auto up to 48 Months 4.00%

New Auto up to 60 Months 4.75%

New Auto - over $20,000.00 up to 72 Months 5.25%

New Auto - over $30,000.00 up to 84 Months 5.75%

Used Auto up to 60 Months 5.50%

Used Auto - over $20,000.00 up to 72 Months 6.00%

Antique / Classic Auto up to 36 Months 7.00%

Antique / Classic Auto up to 48 Months 7.50%

Motorcycle Rates

Effective Date: 01/29/09

Loan Type Term Rate As Low As

New / Used Motorcycles up to 48 Months 6.25%

New / Used Motorcycles up to 60 Months 6.75%

Recreational Vehicles

Effective Date: 01/29/09

Loan Type Term Rate As Low As

New / Used Recreational Vehicles up to 60 Months 6.00%

New / Used Recreational Vehicles up to 84 Months 7.00%

New / Used Recreational Vehicles up to 120 Months 7.00%

Boat, Motor and Trailer Rates

Effective Date: 12/29/08

Loan Type Term Rate As Low As

New / Used Boat, Motor and Trailer up to 60 Months 6.00%

New / Used Boat, Motor and Trailer up to 84 Months 7.00%

New / Used Boat, Motor and Trailer up to 120 Months 7.00%

Personal Consumer Loan Rates

Effective Date: 03/27/09

Loan Type Term Rate As Low As

Home Improvement up to 60 Months 7.50%

Home Improvement up to 84 Months 8.00%

Personal Loans up to 60 Months 8.50%

VISA Rates

Effective Date: 01/29/09

Loan Type Term Rate As Low As

VISA Classic Revolving 10.50%

VISA Gold Revolving 8.90%

Mortgage Rates

Effective Date: 01/29/09

Loan Type Term Rate*

First Mortgage - Fixed Rate
up to 95% of Value for up to 15 years
Call for Rate

First Mortgage - Fixed Rate
up to 95% of Value for up to 20 years
Call for Rate

First Mortgage - Variable Rate
up to 95% of Value for up to 30 years
Call for Rate

First Mortgage - 5 year fixed / 20 year variable
up to 95% of Value for up to 30 years
Call for Rate

First Mortgage - 10 year fixed / 20 year variable
up to 95% of Value for up to 30 years
Call for Rate

Undeveloped Property - Fixed Rate
up to 85% of Value for up to 120 Months
7.25% APR

Undeveloped Property - Variable Rate
up to 85% of Value for up to 120 Months
Call for Rate

*Rates are subject to change daily based on various indices.

Home Equity Rates

Effective Date: 01/29/09

Loan Type Term Rate*

Home Equity Line of Credit (Variable Rate)

up to 115% of Value for up to 180 months
As low as 4.00% APR*

Home Equity Loan (Fixed Rate)

up to 90% of Value for up to 60 months
5.25% APR

Home Equity Loan (Fixed Rate)

up to 90% of Value for up to 120 months
6.00% APR

Home Equity Loan (Fixed Rate)

up to 90% of Value for up to 180 months
6.75% APR

Home Equity Loan (Fixed Rate)

up to 100% of Value for up to 60 months
6.00% APR

Home Equity Loan (Fixed Rate)

up to 100% of Value for up to 120 months
6.75% APR

Home Equity Loan (Fixed Rate)

up to 100% of Value for up to 180 months
7.50% APR

*APR = Annual Percentage Rate. APY = Annual Percentage Yield. Other Rates and terms available based on credit history, equity in home and length of loan.
Contact a loan officer for details. Equal Housing Lender.