Share Secured**

• 2.00%* above share rate

Certificate**

• 2.00%* above CD rate

New Auto Loan

• 1.75% up to 60 months
• 2.25% up to 72 months
• 3.50% up to 84 months

Based on Beacon Score Matrix

• 95% financing of NADA value (Above 95% GAP is required)

Used Auto Loan

• 1.75% up to 36 months
• 1.75% up to 48 months
• 1.75% up to 60 months
• 2.25% up to 72 months

Based on Beacon Score Matrix

• 95% financing of NADA value **terms vary with age, price and condition

Recreational Vehicles or Farm Equipment**

• 5.00%* New/never titled 90% of selling price 6.25%* Used 95% of NADA value

Boats**

• 6.25%* New 5 year financing 90% selling price
• 6.25%* New 7 year financing 90% selling price
• 6.25%* Used 95% of NADA value

Motorcycles**

• 6.25%* New/never titled 80% financing
• 6.25%* Used 80% (NADA value)

Signature Loan**

• maximum amount $15,000 at 7.00%* - terms varies with loan amount and credit score

First Time Loan**

• 12/12/12 - $1200 at 12%* for 12 months

Any Time Loan** (SPECIAL RATE)

• 12 month financing
• maximum amount $2,500 at 3.99%*

Fixed Rate Mortgages (1ST &2ND)**

• 3.50%* 7 years of less
• 3.75%* 10 years
• 3.45% 15 years
• 3.75%* 20 years
• 5.25%* 30 years

Home Equity Loans**

• 4.00%* FIXED 7 year draw/10 year repay

Land**

• 5.50%* up to 15 years , 70% of appraisal or
• 70%* of selling price (based on lowest amount)

New Mobile Homes/Used Mobile Homes**

Single Wide Mobile Homes without Land**

• 9.25%* New 11.25%* Used

Single Wide Trailer with Land**

• New 8.50% with land
• Used 9.50% with land

Overdraft Protection 7.50%

VISA/Classic** 9.25%*

No annual fee, 25 grace period on purchase.

NEW VISA Credit Card for 1st Time Borrower 12.00%*

* Annual percentage rates subject to change without notice. Rates may be lower or higher based on your beacon score.

Effective October 3, 2011 a late fee (4% of loan payment) will be assessed on loans 30 days after the due date. Includes deed loans processed after January 1, 2008. Visa Charge Card's late fee will be assessed after 15 days after the due date.