Deposit Rates effective July 2, 2008

Checking Accounts: (Daily Average Balance of $350.00 or more)
Dividend Rate: 0.50% APY: 0.50%

Share/Savings: (Minimum $5.00)
Dividend Rate: 1.00% APY: 1.01%

Holiday Club: (Maximum monthly deposit of $100)
Dividend Rate: 4.00% APY: 4.02%

Vacation Club: (Maximum monthly deposit of $100)
Dividend Rate: 4.00% APY: 4.02%

Retirement (IRA):
IRA-Variable - Dividend Rate: 2.75% APY: 2.78%
IRA-Fixed - 30 Month - Dividend Rate: 3.65% APY: 3.70%

Certificates:
3 Month - Dividend Rate: 2.63% APY: 2.65%
(Minimum Deposit of $5000)
6 Month - Dividend Rate: 3.27% APY: 3.30%
(Minimum Deposit of $5000)
9 Month - Dividend Rate: 3.29 APY: 3.30%
(Minimum Deposit of $5000)
12 Month - Dividend Rate: 3.55% APY: 3.55%
(Minimum Deposit of $1000)
18 Month - Dividend Rate: 3.65% APY: 3.65%
(Minimum Deposit of $500)
24 Month - Dividend Rate: 3.70% APY: 3.70%
(Minimum Deposit of $500)
30 Month - (Temporarily Suspended)
(Minimum Deposit of $500)
36 Month - Dividend Rate: 3.90% APY: 3.90%
(Minimum Deposit of $500)

** APY = ANNUAL PERCENTAGE YIELD

* Variable Rate Accounts can change without notice.
* Dividends paid at maturity.
* Early withdrawal penalty.
* A withdrawal of dividends will reduce earnings.
* All funds federally insured to $100,000.00
by the National Credit Union Administration.

Loan Rates effective February 8, 2008

Vehicles & Street Licensed Motorcycles
 
Vehicles & Street Licensed Motorcycles (up to 9 years old)

12 to 72 mos - APR Range: 5.50% to 14.75%

** APR = ANNUAL PERCENTAGE RATE

Recreational Vehicles, Boats & Motorcycles  

New & Used RV's:

Max Term: $ 1,000 to 29,999 - 120 Mos
$30,000 to 74,999 - 180 Mos
(APR Range: 6.75% to 12.50%)

$75,000 or more - 240 Mos
(APR Range: 7.35% to 10.65%)

New & Used Boats

Max Term: $ 1,000 to 19,999 - 84 Mos
$20,000 to 29,999 -120 Mos
$30,000 to 74,999 -180 Mos
(APR Range: 6.75% to 12.50%)

$75,000 or more - 240 Mos
(APR Range: 7.35% to 10.65%)

New & Used Recreational Equipment**

Max term: 60 Mos
(APR Range: 6.75% to 12.50%)

** Recreational includes personal watercraft, snowmobiles, utility trailers, horse trailers, ATV's, Off Road Motorcycles, etc.

** APR = ANNUAL PERCENTAGE RATE    
    
Personal Loans & Personal Equipment  

Personal Loans

APR Range: 11.50% to 18.00%

Personal Equipment Loans (New & Used)

Max Term: 60 Months
APR Range: 11.50% to 18.00%

** APR = ANNUAL PERCENTAGE RATE
    
Timeline (Line-of-Credit)

Max Term: 42 Months
APR Range: 9.25% to 11.25%

** APR = ANNUAL PERCENTAGE RATE

2nd Mortgage/Home Improvement

Max Term: 84 Months - APR: 6.25%
Max Term: 85 to 180 Months - APR: 7.00%
Max Term: 181 to 240 Months - APR: 7.25%

Example:
**84 mo loan at 6.25% will make your monthly payment $14.73 per $1000 borrowed.
**180 mo loan at 7.00% will make your monthly payment $8.99 per $1000 borrowed.
**240 mo loan at 7.25% will make your monthly payment $7.90 per $1000 borrowed.

*** APR = ANNUAL PERCENTAGE RATE    

Share (Savings) Secured

Max Term: 12 Months - Three percent (3%) above the declared share dividend rate at the time of the loan application.     

Certificate Secured

Max Term: Maturity date of certificate being pledged.

Rate: Three percent (3%) above the rate of the certificate being pledged.