Rates

Deposit Rates

Share, Club & Money Market Rates

Account Type	Term	Min. Balance	Penalty	Dividend Rate	APY *
Share Draft (Checking)	N/A	N/A	--	0%	0%*
Advantage Checking	N/A			4.00%	4.07%*
Club	N/A	N/A	--	.25%	.25%*
Shares	N/A	$25.00	--	.25%	.25%*
IRAs	--	N/A	--	.50%	.50%*
Money Market Accounts		$2,000 to $25,000	--	.40%	.40%*
		$25,001 to $50,000	--	.60%	.60%*
		$50,001 to $100,000	--	.80%	.80%*
		$100,001 and over	--	1.00%	1.01%*
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice.  Return to top

Traditional & Roth IRAs, Coverdell ESA, and Share Certificates

Account Type	Term	Min. Balance	Penalty	Dividend Rate	APY *
Traditional & Roth IRA, Coverdell ESA, and Share Certificates	6 Mos.	$500	90 days	0.747%	0.75%*
	1 year	$500	90 days	0.995%	1.00%*
	2 year	$500	90 days	1.50%	1.51%*
	3 year	$500	180 days	2.325%	2.35%*
	4 year	$500	180 days	2.765%	2.80%*
	5 year	$500	180 days	3.45%	3.50%*
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with no grace period.  Return to top

Traditional & Roth IRA, Coverdell ESA & HSA Accounts

Traditional & Roth IRA, Coverdell ESA & HSA Accounts	Term	Min. Balance	Dividend Rate	APY *
Traditional & Roth IRA, Coverdell ESA & HSA Accounts	N/A	N/A	.50%	.50%
Return to top

Youth Certificates

Account Type	Term	Min. Balance	Penalty	Dividend Rate	APY *
Youth Certificates	6 Mos.	$250	90 days	0.747%	0.75%*
	1 year	$250	90 days	0.995%	1.00%*
	2 year	$250	90 days	1.50%	1.51%*
	3 year	$250	180 days	2.325%	2.35%*
	4 year	$250	180 days	2.765%	2.80%*
	5 year	$250	180 days	3.45%	3.50%*
* Annual Percentage Yield. The Annual Percentage Yield (APY) assumes interest will remain on deposit until maturity. An early withdrawal will reduce earnings. A penalty may be imposed for an early withdrawal. Rates are subject to change without notice. Certificate rates quoted are fixed for the term of the account. Certificates renew at the end of the quoted term with no grace period. Dividend Payment Policy Dividends on your account are computed on an average daily balance and credited monthly. All dividends are paid on the last day of each month.  Return to top

Loan Rates

Share Secured

Loan Rate	Term
Share Secured	Variable*
*Share Secured-Variable Rate -2% over highest share dividend at time of loan. Annual Adjustment in January.  Return to top

Vehicle Loans

Loan Rate	Term	APR *	Down Payment Required	Monthly Payment Per $1,000
New & Late Model Used Vehicles	24 Mos	As low as 4.25%**	none	$43.54
	36 Mos.	As low as 4.50%**	none	$29.75
	48 Mos.	As low as 4.75%**	none	$22.92
	60 Mos.	As low as 5.00%**	none	$18.88
	72 Mos. (new or used over $20,000)	As low as 6.00%**	none	$16.58
Used Vehicles	24 Mos.	As low as 6.25%**	none	$44.44
	36 Mos.	As low as 6.50%**	none	$30.66
	48 Mos.	As low as 6.75%**	none	$23.84
	60 Mos.	As low as 7.00%**	none	$19.81
*Annual Percentage Rate **Rate shown is "as low as" rate. Actual interest rate is determined by credit qualifications.  Return to top

Credit Cards

Loan Rate	Term	APR *	Down Payment Required	Monthly Payment Per $1,000
Classic Visa	Fixed	11.9%*	n/a	n/a
Gold Visa	Fixed	9.9%*	n/a	n/a
*Annual Percentage Rate  Return to top

Home Equity Loans & Lines of Credit

Loan Rate	Term	APR *	Down Payment Required	Monthly Payment Per $1,000
Home Equity or Credit Line***	--	--*	n/a	n/a
*Annual Percentage Rate *** Please call for current rates and terms.  Return to top

All Purpose Loans

Loan Rate	Term	APR *	Monthly Payment Per $1,000
All Purpose Loan	60 Mos.	8.90%*	$20.72
*Annual Percentage Rate  Return to top

Overdraft Protection

Loan Rate	Term	APR *
Overdraft protection	Revolving	14.00%*
*Annual Percentage Rate  Return to top

Fuel Loans

Home Energy Loan	Term	APR *	Monthly Payment Per $1,000
Home Energy Loan	12 Mos.	5.00%*	$85.60
*Annual Percentage Rate  Return to top