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 + 0.449% 0.45%
$50,000 - $99,999 0.399% 0.40%
$10,000 - $49,999 0.349% 0.35%
$2,500 - $9,999 0.300% 0.30%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 2.178% 2.20% 2.080% 2.10% 1.982% 2.00%
48-Month 1.933% 1.95% 1.834% 1.85% 1.736% 1.75%
36-Month 1.687% 1.70% 1.588% 1.60% 1.490% 1.50%
24-Month 1.342% 1.35% 1.292% 1.30% 1.243% 1.25%
12-Month 1.094% 1.10% 1.045% 1.05% 0.995% 1.00%
6-Month 0.847% 0.85% 0.797% 0.80% 0.747% 0.75%
3-Month 0.598% 0.60% 0.549% 0.55% 0.499% 0.50%
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 2.178% 2.20% 2.080% 2.10% 1.982% 2.00%
48-Month Fixed 1.933% 1.95% 1.834% 1.85% 1.736% 1.75%
36-Month Variable 2.790% 2.83% 2.790% 2.83% 2.790% 2.83%
36-Month Fixed 1.687% 1.70% 1.588% 1.60% 1.490% 1.50%
24-Month Fixed 1.342% 1.35% 1.292% 1.30% 1.243% 1.25%
18-Month Variable 2.210% 2.23% 2.210% 2.23% 2.210% 2.23%
12-Month Fixed 1.094% 1.10% 1.045% 1.05% 0.995% 1.00%
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
3.09%
3.09%
3.09%
3.09%
3.09%
3.09%
$43.02
$29.12
$22.17
$18.01
$15.23
$13.25
Classic Vehicles `` $15,000 +
$15,000 +
$15,000 +
$25,000 +
Up to 4 Years
5 Years
6 Years
7 Years
5.09%
5.09%
5.09%
5.09%
$23.08
$18.92
$16.15
$14.18
New Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.74%
4.99%
5.24%
5.49%
$29.85
$23.02
$18.98
$16.33
Used Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
5.24%
5.49%
5.74%
5.99%
$30.08
$23.25
$19.21
$16.57
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
4.24%
4.49%
4.74%
4.99%
5.99%
7.99%
9.99%
$29.63
$22.80
$18.75
$16.10
$14.60
$11.41
$11.47
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
4.74%
4.99%
5.24%
5.49%
6.49%
8.49%
10.49%
$29.85
$23.02
$18.98
$16.33
$14.84
$11.68
$11.77
New ATV/Power Sports
$5,000+
$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.74%
4.99%
5.24%
5.49%
$29.85
$23.02
$18.98
$16.33
Used ATV/Power Sports
$5,000+
$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
5.24%
5.49%
5.74%
5.99%
$30.08
$23.25
$19.21
$16.57
PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Personal Loan ` ** 10.49% $32.50
Debt Consolidation ` ** 11.24% $32.85
Signature Line of Credit ` ^ 11.24% 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 10.49% N/A
Visa Gold 10.74% N/A
Visa Classic 10.99% N/A
Engage Rewards Visa Signature 12.49% 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 5.425%
5.525%
5.625%
0.775%
0.350%
0.000%
5.495%
5.557%
5.625%
$5.63
$5.69
$5.76
20 Year 5.050%
5.150%
5.250%
0.638%
0.275%
0.000%
5.127%
5.184%
5.251%
$6.63
$6.68
$6.74
15 Year 4.675%
4.775%
4.875%
0.438%
0.200%
0.000%
4.741%
4.806%
4.876%
$7.74
$7.79
$7.84
JUMBO
Up to $2,500,000
Loan Rates
as low as
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 5.425%
5.525%
5.625%
2.000%
1.000%
0.000%
5.605%
5.616%
5.625%
$5.63
$5.69
$5.76
15 Year Jumbo 4.550%
4.650%
4.750%
1.200%
0.600%
0.000%
4.730%
4.740%
4.750%
$7.68
$7.73
$7.78
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
4.425%
4.450%
4.500%
0.188%
0.125%
0.000%
4.349%
4.353%
4.360%
$5.02
$5.04
$5.07
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
4.775%
4.825%
4.875%
0.200%
0.100%
0.000%
4.537%
4.553%
4.568%
$5.23
$5.26
$5.29
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
4.900%
4.950%
5.000%
0.350%
0.163%
0.000%
4.703%
4.719%
4.736%
$5.31
$5.34
$5.37
$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
4.300%
4.400%
4.500%
0.800%
0.400%
0.000%
4.355%
4.358%
4.360%
$4.95
$5.01
$5.07
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
4.550%
4.650%
4.750%
1.000%
0.500%
0.000%
4.496%
4.502%
4.507%
$5.10
$5.16
$5.22
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
4.675%
4.775%
4.875%
1.200%
0.600%
0.000%
4.633%
4.645%
4.656%
$5.17
$5.23
$5.29
$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 5.49%
as low as 4.75%
$4.58
$18.76
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 6.75%
as low as 6.875%
$5.63
$19.74
HOME EQUITY LOANS
Up to $250,000
APR * Estimated Payment
Per $1,000 ^^
Home Equity Loan**2 as low as 5.00% $18.87
SECOND MORTGAGE
Up to $250,000
APR * Estimated Payment
Per $1,000 ^^
Down Payment Second Mortgage*** as low as 8.00% $9.56