Rates

Loans| Mortgage| Savings| Certificates

Loans	Rate	APR*	Term
2006 & Newer Cars/Trucks/Vans - Rates from 5.75% to 14.99%. Up to 72 Months Financing. ((Rates Subject to Credit Score and Loan Term))				Calculator
2005 & Older Used Cars/Trucks/Vans - Rates from 5.90% to 14.99%. ((Rates Subject to Credit Score and Loan Term)). Up to 60 Months Financing				Calculator
Signature Loan Special	7.99	7.99	12	Calculator
Signature Loan Special	8.99	8.99	24	Calculator
Signature Loan Special	9.99	9.99	36	Calculator
Signature Loan Special	12.99	12.99	48	Calculator
Signature Loan Special	16.00	16.00	60	Calculator
New Campers / Travel Trailers / Other Recreational Vehicles - 85% Of Purchase Price. Maximum Loan Amount $50,000	7.75 9.00	7.75 9.00	60 120	Calculator
Used Campers/Travel Trailers/Other Recreational Vehicles. Maximum Loan Amount $25,000	8.00	8.00	60	Calculator
New/Used Motorcycles - Rates from 6.50% to 7.25%. Maximum Terms 60 Months For New, 48 Months For Used				Calculator
New Four Wheeler Loan - Maximum Loan Amount $10,000. 100% Of Purchase Price	8.00	8.00	48	Calculator
Used Four Wheeler Loan - Maximum Loan Amount $10,000	8.50	8.50	48	Calculator
New Motor Homes - 85% Of Purchase Price. Maximum Loan Amount $50,000	7.25	7.25	60	Calculator
Used Motor Homes - NADA Recreational Vehicle Guide. Maximum Loan Amount $35,000	7.50	7.50	60	Calculator
New Boat / Motor / Trailer - 100% Of Purchase Price. Maximum Loan Amount $50,000	7.50	7.50	60	Calculator
Used Boat / Motor / Trailer - NADA Boat Appraisal Guide. Maximum Loan Amount $30,000	8.00	8.00	60	Calculator

*APR - Annual Percentage Rate

First Mortgage Fixed and Variable Rate Real Estate Loans

Rate

Points

APR*

Fixed Rate Mortgage Loans

Variable Rate Mortgage Loans **

5 Year Fixed - 6.00%

10 Year Fixed - 6.75%

Variable Rate 5.00% **

Second Mortgage Variable Rate Real Estate Loans***

Rate	Points	APR*
6.00	0	6.00

Home Equity Variable Rate Real Estate Loans ****

Rate	Points	APR*
5.00	0	5.00

Construction Loans(Based on Prime Rate)

Rate	Points	APR*
5.25	0	5.25

*APR = Annual Percentage Rate
**Based on 26 Wk T'Bill + 2.50% Margin (Minimum of 5%)

***Based on 26 Wk T'Bill + 4.50% Margin (Minimum of 5%)
****Based on 26 wk T'Bill + 3.00% Margin

Percentages on Real Estate Loans:
85% Unimproved Property
75% Non-Owner Occupied Property (cannot exceed $50,000.00)
75% Mobile Home or Manufactured Home
85% Owner Occupied Open-End Mortgage Loans (Home Equity)Minus 1st Mortgage
85% Owner Occupied Closed - End Mortgage Loans

Loan Rates subject to change. Rates effective May 1, 2008. Rates subject to credit score.
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Savings	Dividend Rate	APY*	Term
Share/Savings Accounts - Average Daily Balance $0.01 - $2,000.00	0.500	0.500	n/a
Share/Savings Accounts - Average Daily Balance $2,001.00 - $10,000.00	1.000	1.000	n/a
Share/Savings Accounts - Average Daily Balance $10,000.00 and above	1.500	1.510	n/a
Christmas Club Accounts	0.500	0.500	n/a
Share Draft/Checking Accounts - Average Daily Balance $2,001.00 - $10,000.00	0.500	0.500	n/a
Share Draft/Checking Accounts - Average Daily Balance $10,000.00 and above	0.750	0.750	n/a

*APY = Annual Percentage Yield
Dividends are compounded and credited quarterly
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Certificates	Minimum Deposit	Dividend Rate	APY*	Term
Share Certificates - Term 180 Days**	$500.00	3.200	3.240	6
Share Certificates - Term 12 Months***	$500.00	3.100	3.140	12
Share Certificates - Term 24 Months***	$500.00	3.200	3.240	24
Share Certificates - Term 36 Months***	$500.00	3.250	3.290	36
Share Certificates - Term 48 Months***	$500.00	3.350	3.390	48
Share Certificates - Term 60 Months***	$500.00	3.450	3.500	60

IRA Share Certificates

Minimum Deposit

Dividend Rate

APY*

Term

IRA (Individual Retirement Accounts)

$100.00

3.000

3.030

n/a

Share Certificate IRA - Term 180 Days**
$500.00

3.200

3.240

6

Share Certificate IRA - Term 12 Months***
$500.00

3.100

3.140

12

Share Certificate IRA - Term 24 Months ***
$500.00

3.200

3.240

24

Share Certificate IRA - Term 36 Months ***
$500.00

3.250

3.290

36

Share Certificate IRA - Term 48 Months ***
$500.00

3.350

3.390

48

Share Certificate IRA - Term 60 Months ***
$500.00

3.450

3.500

60

*APY = Annual Percentage Yield
**Dividends compounded at maturity
***Dividends compounded quarterly

Rates Effective:
May 8, 2008
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