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DIRECT AUTO and MOTORCYCLE LOAN RATES Model Year Term 800+ 730 - 799 700-729 699-680 679-640 639-600 2012 - 11 24 - 36 1.75% 2.00% 3.00% 5.60% 8.20% 10.35%   37 - 60 2.00% 2.75% 3.50% 6.20% 8.20% 10.35%   66 3.50% 4.20% 4.60% 6.20% 8.20% 10.35%       72 4.00% 4.65% 5.00% 6.60% 8.85% 10.85%   2010 24 - 36 2.00% 2.50% 3.25% 5.85% 7.85% 10.20%       37 - 60 2.25% 3.00% 3.75% 5.85% 7.85% 10.20%   66 3.75% 4.35% 4.75% 6.20% 8.85% 11.10%   72 4.25% 4.75% 5.10% 6.60% 9.35% N/A 2009 24 - 36 2.25% 3.00% 3.50% 6.10% 8.85% 10.85%   37 - 60 2.50% 3.50% 3.75% 6.10% 8.85% 10.85%     66 4.00% 4.50% 4.80% 6.35% 9.35% 11.35%     72 4.50% 4.85% 5.25% 6.60% 9.85% N/A 2008 24 - 36 2.50% 3.50% 3.75% 6.20% 9.10% 11.35%   37 - 60 2.75% 4.00% 4.00% 6.20% 9.10% 11.35%   66 4.50% 4.75% 5.10% 6.60% N/A N/A   72 4.75% 5.25% 5.75% N/A N/A N/A 2007 24 - 36 2.75% 4.25% 4.00% 6.35% 9.59% 11.85%   37 - 60 3.25% 4.50% 4.75% 6.35% 9.59% 11.85% 2006 24 - 36 3.50% 4.50% 4.75% 6.35% 9.59% 11.85%   37 - 54 3.75% 4.75% 5.00% 7.10% 10.10% 12.35% .25% DISCOUNT FOR AUTOPAY       ANTIQUE, CLASSIC, AND STREETROD VEHICLE LOANS     Credit Score Range 12 to 24 months 25 to 72 months 73 to 96 months 74 to 120 months 730+ 4.10% 4.60% 5.10% 5.60% 700 - 729 4.60% 5.10% 5.60% 6.10% 680- 699 5.10% 5.60% 6.10% 6.60% 640 - 679 5.60% 6.10% 6.60% 7.10% 639 and less  Not Available Not Available Not Available Not Available .25% DISCOUNT FOR AUTOPAY Motorhomes and Boats (new and used) Credit Score Range 12 to 24 months 25 to 72 months 73 to 96 months 74 to 120 months 730+ 4.60% 5.10% 5.60% 6.10% 700 - 729 5.10% 5.60% 6.10% 6.60% 680- 699 5.60% 6.10% 6.60% 7.10% 640 - 679 6.10% 6.60% 7.10% 7.60% 639 and less  Not Available Not Available Not Available Not Available .25% DISCOUNT FOR AUTOPAY  Recreational Loans for travel trailers, campers, skidoos, jet skis, snowmobiles, ATVs and similar types (new and used)         Credit Score Range 12 to 24 months 25 to 72 months 730+ 4.60% 5.10% 700 - 729 5.10% 5.60%   680- 699 5.60% 6.10% 640 - 679 6.10% 6.60% 639 and less  Not Available Not Available .25% DISCOUNT FOR AUTOPAY Mobile Homes (New and Used) Credit Score Range 12 to 24 months 25 to 72 months 73 to 96 months 74 to 180 months 730+ 4.10% 4.60% 5.10% 5.60% 700 - 729 4.60% 5.10% 5.60% 6.10% 680- 699 5.10% 5.60% 6.10% 6.60% 640 - 679 5.60% 6.10% 6.60% 7.10% 639 and less  Not Available Not Available Not Available Not Available .25% DISCOUNT FOR AUTOPAY SIGNATURE LOAN RATES Credit Score Range 1 - 24 MONTHS 25 TO 48 MONTHS 49 - 60 MONTHS Maximum Amount 730+ 8.05% 8.30% 8.55% $12,000 700 - 729 8.45% 8.70% 9.00% $10,000 680- 699 10.60% 10.85% 11.10% $7,500 640 - 679 11.10% 11.35% 11.60% $5,000 600 - 639 12.85% 13.10% 13.35% $1,500 550 - 599 * 15.85% 16.10% 16.35% $1,500 .25% DISCOUNT FOR AUTOPAY *Requires prior approval by CEO or COO SHARED SECURED LOAN Rate (APR) is the current Share Account plus 4.0% Currently =  4.1% APR       .25% DISCOUNT FOR AUTOPAY MasterCard Credit Score Range Rate (APR) Maximum Amount   730+ 8.90% $10,000 680 - 729 8.90% $10,000 640 - 679 10.75% $7,500 600 - 639 12.25% $5,000 550 - 599 * 15.00% $750 *Requires prior approval by CEO or COO HOME EQUITY LINE OF CREDIT Credit Score Range Rate (APR) 730+ Prime Rate + 0% 700 - 729 Prime Rate + .25% 680- 699 Prime Rate + .50% 640 - 679 Prime Rate + .75% 600 - 639 Prime Rate + 1.0% 550 - 599 Not Available Minimum line is $5,000   Rate Cap 15.00% Maximum line is $150,000 Rate Floor 4.0% No discount for autopay         HOME EQUITY LOAN TERM 730+ 700 - 729 680 - 699 640 - 679 639 - 600 > 600   Up to 60 mo 5.25% 5.45% 5.60% 5.84% 6.10% N/A 61 to 120 mo 5.60% 5.70% 5.84% 6.10% 6.35% N/A 120 to 180 mo 5.84% 5.94% 6.10% 6.35% 6.60% N/A Minimum loan is $5,000   Maximum Loan is $150,000   No discount for autopay               Account Rates Savings and Deposit Accounts Account Type Dividend Rate Annual % Yield Regular Savings Share 0.25% 0.25% APY No Fee Checking/Draft 0.10% 0.10% APY IRA Accounts 1.00% 1.1005% APY Club Accounts 0.25% 0.25% APY APY = Annual Percentage Yield All dividend rates are compounded daily and credited quarterly to all types of share accounts. A minimum $250 daily balance is required to earn dividends. Certificate Accounts Term Dividend Rate Annual % Yield 3-Month 0.30% 0.30% APY 6-Month 0.30% 0.30% APY 12-Month 0.35% 0.351% APY 24-Month 0.40% .401% APY 36-Month 1.00% 1.005% APY 48-Month 1.25% 1.258% APY 60-Month 1.50% 1.511% APY APY = Annual Percentage Yield  Minimum required balance is $500. Certain penalties apply if funds are withdrawn prior to account maturity. Refer to the "Term Share Account Disclosure" for details.