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*RATES EFFECTIVE May 1, 2008

SAVINGS RATES

APR APY
SAVINGS ACCOUNTS
Savings 1.15% 1.16%
Sub Savings 1.15% 1.16%
Sunshine Club 1.15% 1.16%
Christmas Club 1.15% 1.16%
Checking 0.50% 0.51%
IRA 2.25% 2.28%
SAVINGS CERTIFICATES
3 months 2.50% 2.54%
6 months 2.80% 2.84%
1 year 3.00% 3.05%
18 months 3.00% 3.05%
2 year 3.10% 3.15%
30 month 3.10% 3.15%
3 year 3.20% 3.25%
5 year 3.40% 3.46%
IRA SAVINGS CERTIFICATES
3 months 2.50% 2.54%
6 months 2.80% 2.84%
1 year 3.00% 3.05%
18 months 3.00% 3.05%
2 year 3.10% 3.15%
30 month 3.10% 3.15%
3 year 3.20% 3.25%
5 year 3.40% 3.46%
     

LOAN RATES

Rates As Low As

Up to

New Car 5.75% 72 months (84 months >$35k)
Used Car 6.25% 60 months (72 months >$25k)
Recreational Vehicle 6.9% New
7.9% Used
120 months >$25k
Mortgage 5.25% 15 years
Mobile Home 8.9% New
9.9% Used
120 Months < $30k
180 months > $30k
Overdraft Protection 9.9% 36 Months
Signature Loan 9.9% 36 Months - closed-end
HELOC please call 10 yr draw; 15 yr repayment
VISA Classic 9.9%

18.0%

VISA Secured 12.9%

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*Rates subject to change without notice.