SAVINGS ACCOUNTS Minimum To Open Dividend Rate APY *
Regular Savings ` ^^^ $5 0.100% 0.10%
eSavings ` $5 0.100% 0.10%
Club Account ^ *** $5 0.100% 0.10%
CHECKING ACCOUNTS Minimum To Open Dividend Rate APY *
FREE Checking $25 0.000% 0.00%
eChecking ` ^^ $25 0.050% 0.05%
Premier Checking ` $2,000 0.050% 0.05%
Right Start Checking $25 0.000% 0.00%
MONEY MARKET ACCOUNT ** Dividend Rate APY *
$100,000 + 0.747% 0.75%
$50,000 - $99,999 0.698% 0.70%
$10,000 - $49,999 0.648% 0.65%
$2,500 - $9,999 0.598% 0.60%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 3.348% 3.40% 3.203% 3.25% 3.057% 3.10%
48-Month 3.154% 3.20% 3.008% 3.05% 2.862% 2.90%
36-Month 2.960% 3.00% 2.813% 2.85% 2.667% 2.70%
24-Month 2.667% 2.70% 2.521% 2.55% 2.374% 2.40%
12-Month 2.374% 2.40% 2.227% 2.25% 2.080% 2.10%
6-Month 1.785% 1.80% 1.638% 1.65% 1.490% 1.50%
3-Month 1.292% 1.30% 1.144% 1.15% 0.995% 1.00%
IRAS *** (Traditional, Roth and Coverdell) $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month Fixed 3.348% 3.40% 3.203% 3.25% 3.057% 3.10%
48-Month Fixed 3.154% 3.20% 3.008% 3.05% 2.862% 2.90%
36-Month Variable 4.380% 4.47% 4.380% 4.47% 4.380% 4.47%
36-Month Fixed 2.960% 3.00% 2.813% 2.85% 2.667% 2.70%
24-Month Fixed 2.667% 2.70% 2.521% 2.55% 2.374% 2.40%
18-Month Variable 4.580% 4.68% 4.580% 4.68% 4.580% 4.68%
12-Month Fixed 2.374% 2.40% 2.227% 2.25% 2.080% 2.10%
IRA SAVINGS (Traditional, Roth and Coverdell) Minimum To Open Dividend Rate APY *
IRA Savings (Traditional, Roth and Coverdell) Account $5 0.300% 0.30%


VEHICLE LOANS ` Loan Amounts Term APR * Estimated Payment Per $1,000 ^^
New/Used Vehicles


$10,000 +
$15,000 +
$20,000 +
Up to 2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
5.59%
5.59%
5.59%
5.59%
5.59%
5.59%
$44.14
$30.24
$23.30
$19.15
$16.39
$14.42
Classic Vehicles `` $15,000 +
$15,000 +
$15,000 +
$25,000 +
Up to 4 Years
5 Years
6 Years
7 Years
7.59%
7.59%
7.59%
7.59%
$24.23
$20.09
$17.34
$15.39
New Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
8.74%
8.74%
8.74%
8.74%
$31.69
$24.77
$20.64
$17.91
Used Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
8.74%
8.74%
8.74%
8.74%
$31.69
$24.77
$20.64
$17.91
New Boat/RV

$10,000+
$20,000+
$30,000+
$30,000+
$30,000+
Up to 3 Years
4 Years
5 Years
6 Years
7-10 Years
11-12 Years
13-15 Years
8.99%
8.99%
8.99%
8.99%
8.99%
10.49%
10.49%
$31.80
$24.89
$20.76
$18.03
$16.09
$12.81
$11.78
Used Boat/RV

$10,000+
$20,000+
$30,000+
$30,000+
$30,000+
Up to 3 Years
4 Years
5 Years
6 Years
7-10 Years
11-12 Years
13-15 Years
8.99%
8.99%
8.99%
8.99%
8.99%
10.49%
10.49%
$31.80
$24.89
$20.76
$18.03
$16.09
$12.81
$11.78
New ATV/Power Sports
$5,000+
$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
8.74%
8.74%
8.74%
8.74%
$31.69
$24.77
$20.64
$17.91
Used ATV/Power Sports
$5,000+
$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
8.74%
8.74%
8.74%
8.74%
$31.69
$24.77
$20.64
$17.91
PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Personal Loan ` ** 13.49% $33.94
Debt Consolidation ` ** 14.24% $34.31
Signature Line of Credit ` ^ 13.49% N/A
SECURED LOANS APR * Estimated Payment Per $1,000 ^^
Certificate Secured ** 2.00% above certificate dividend rate% N/A
Share Secured Visa Classic ** 11.49% N/A
FIXED-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 9.49% N/A
Visa Gold 10.24% N/A
Visa Classic 11.24% N/A
VARIABLE-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 12.74% N/A
Visa Gold 12.99% N/A
Visa Classic 13.24% N/A
Engage Rewards Visa Signature 14.74% N/A
SHORT TERM LOAN APR * Estimated Payment Per $100 for 6 months
Credit Rebuilder 28.00% $18.05


FIXED RATE
CONFORMING
Loan limits based on number of units and county of subject property ^
Loan Rates
as low as
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year 6.050%
6.150%
6.250%
0.625%
0.275%
0.000%
6.109%
6.176%
6.250%
$6.03
$6.09
$6.16
20 Year 5.675%
5.775%
5.875%
0.475%
0.225%
0.000%
5.734%
5.803%
5.876%
$6.98
$7.04
$7.09
15 Year 5.550%
5.650%
5.750%
0.438%
0.200%
0.000%
5.618%
5.682%
5.751%
$8.20
$8.25
$8.30
JUMBO
Up to $2,500,000
Loan Rates
as low as
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 5.800%
5.900%
6.000%
2.000%
1.000%
0.000%
5.984%
5.993%
6.000%
$5.87
$5.93
$6.00
15 Year Jumbo 5.675%
5.775%
5.875%
1.200%
0.600%
0.000%
5.861%
5.868%
5.875%
$8.26
$8.32
$8.37
ADJUSTABLE RATE
CONFORMING
Loan limits based on number of units
And county of subject property ^
Loan Rates
as low as
Loan Points APR * Introductory Period
Payment per $1,000 ^^
Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months
5.675%
5.700%
5.750%
0.150%
0.100%
0.000%
4.813%
4.818%
4.828%
$5.79
$5.80
$5.84
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
5.900%
5.950%
6.000%
0.200%
0.100%
0.000%
5.101%
5.117%
5.134%
$5.93
$5.96
$6.00
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
6.150%
6.200%
6.250%
0.200%
0.100%
0.000%
5.514%
5.538%
5.563%
$6.09
$6.12
$6.16
$6.21
$6.21
$6.21
JUMBO
Up to $2,500,000
Loan Rates
as low as
Loan Points APR * Introductory Period
Payment per $1,000 ^^
Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months
5.425%
5.525%
5.625%
0.800%
0.400%
0.000%
4.776%
4.778%
4.780%
$5.63
$5.69
$5.76
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
5.550%
5.650%
5.750%
1.000%
0.500%
0.000%
4.995%
5.000%
5.005%
$5.71
$5.77
$5.84
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
5.675%
5.775%
5.875%
1.200%
0.600%
0.000%
5.288%
5.299%
5.310%
$5.79
$5.85
$5.92
$6.21
$6.21
$6.21
HOME EQUITY LINES of CREDIT APR * Estimated Payment
Per $1,000 ^^
Flex Rate Home Equity Line of Credit (up to 80% CLTV)**1
Fixed-Rate Lock Option+2
as low as 7.74%
as low as 8.99%
$6.45
$20.75
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 9.00%
as low as 10.99%
$7.50
$21.74
HOME EQUITY LOANS
Up to $250,000
APR * Estimated Payment
Per $1,000 ^^
Home Equity Loan**2 as low as 8.99% $20.75
SECOND MORTGAGE
Up to $250,000
APR * Estimated Payment
Per $1,000 ^^
Down Payment Second Mortgage*** as low as 11.99% $12.00