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**RATES EFFECTIVE Feb 1st 2012

*subject to change at any time
SAVINGS RATES
APR  Annual Percentage Yield
SAVINGS
Less Than $200.00 0.00% 0.00%
$200.00 and Greater 0.349% 0.35%
SUB SAVINGS
Less Than $200.00 0.00% 0.00%
$200.00 and Greater 0.349% 0.35%
SUNSHINE CLUB
Entire Balance .349% 0.35%
CHRISTMAS CLUB
Less Than $200.00 0.00% 0.00%
$200.00 and Greater 0.349% 0.35%
CHECKING
Less Than $500.00 0.00% 0.00%
$500.00 and Greater 0.100% 0.10%
IRA (Traditional, Roth, or CESA)
Less Than $200.00 0.00% 0.00%
$500.00 and Greater 1.000% 1.00%

SHARE OR IRA CERTIFICATES

MINIMUM BALANCE $1,000.00

APR Annual Percentage Yield
90 DAY 0.250% 0.250%
6 MONTHS 0.399% 0.400%
1 YEAR (12 MONTHS) 0.648% 0.650%
18 MONTHS 0.648% 0.650%
2 YEARS (24 MONTHS) 0.847% 0.850%
3 YEARS (36 MONTHS) 1.243% 1.250%
4 YEARS (48 MONTHS) 1.440% 1.450%
5 YEARS (60 MONTHS) 1.638% 1.650%

 

LOAN RATES*

Annual Percent Rates As Low As

Up to

New Car 4.50% 60 months
Used Car 4.75% 60 months
Recreational Vehicle 7.25% New
7.75% Used
120 months >$25k
Mortgage 5.75% 15 years
Mobile Home 8.9% New
9.9% Used
120 Months < $30k
180 months > $30k
Signature Loan 12.00% 48 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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*All loan rates for qualified members based on terms and conditions

**Rates subject to change without notice.