Share Secured**
2.00%* above share rate

Certificate**
2.00%* above CD rate

New  and Used Vehicles**
Limited Time SPECIAL RATES
3.99%* up to 60 months
4.49%* up to 72 months
4.99%* up to 84 months 

95% financing of NADA value
(*110% financing with GAP Insurance)

Recreational Vehicles or Farm Equipment**
6.25%* New/never titled 90% of selling price
6.25%*** Used 95% of NADA value

Travel Trailers up to 7 years*

Motor Homes/Travel Trailers 10 years* over $25,000

***terms vary with age,price abd condition

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 $12,500 at 8.99%*

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)**
4.50%* 7 years of less - SPECIAL RATE
5.80%* 10 to 15 years
6.55%* 20 years
7.50%* 30 years

Home Equity Loans** 5.00*% fixed 7 yr draw/10 yr repay

Land** 6.55%* 20 year financing, 90% of appraisal or
90% of selling price (based on lowest amount)

New Mobile Homes/Used Mobile Homes**
Single Wide Mobile Homes without Land** (Does not include double wides)
9.25%* New 11.25%* Used

Single Wide Trailer with Land**
7 year 8.50%*  New 9.5%* Used
10 year 10.00%*  New 11.00%* Used
15 year 10.50%*  New 11.50%* Used

Overdraft Protection 10.99%

VISA/Classic** 9.25%*
No annual fee, 25 grace period on purchase.

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

** Effective May 15, 2004 a late fee (4% of loan payment) will be assessed on loans 15 days after the due date. Includes deed loans processed after January 1, 2008.