Rates

IMPORTANT NOTE: Rates quoted below are our lowest available and may vary based on your individual credit.

Loans	Rate	APR*	Term
New / Used Vehicles (2011-2008)	3.950	3.950	48/60	Calculator
New / Used Vehicles (2011-2008)	4.500	4.500	72**	Calculator
New / Used Vehicles (2011-2008)	4.950	4.950	84^	Calculator
Used Vehicles (2007-2004)	4.500	4.500	48	Calculator
Used Vehicles (2007-2004)	5.000	5.000	60	Calculator
Used Vehicle (2003 and older)	5.750	5.750	36	Calculator
Used Vehicle (2003 and older)	6.250	6.250	48	Calculator
New Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2010-2008	5.500	5.500	48	Calculator
New Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2010-2008	5.900	5.900	60	Calculator
New Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2010-2008	6.250	6.250	72**	Calculator
New Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2010-2008	7.000	7.000	120**	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2005-2007	6.000	6.000	48	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2005-2007	6.500	6.500	60	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2006-2007	6.750	6.750	72**	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2006-2007	7.200	7.200	120**	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2004 and older	7.000	7.000	36	Calculator
Used Recreational Vehicles (boats, campers, motorcycles, RVs, etc) 2004 and older	7.250	7.250	48	Calculator
Unsecured	9.450	9.450	36	Calculator
Real Estate - 1st Mortgage Owner Occupied (balloon) ****	4.375	4.375	36	Calculator
Real Estate - 1st Mortgage Owner Occupied (balloon)****	4.750	4.750	60	Calculator
Real Estate - !st Mortgage Owner Occupied (balloon)****	4.990	4.990	120	Calculator
Real Estate - 1st Mortgage Owner and Nonowner Occupied Business	6.000	6.000	36	Calculator
Construction	4.990	4.990	6	Calculator
Real Estate - 1st Mortgage Land Only*****	6.000	6.000	12	Calculator
Real Estate - 1st Mortgage Land Only*****	6.500	6.500	36	Calculator
Real Estate - 2nd Mortgage Owner Occupied (up to 80% loan to value)	5.750	5.750	60	Calculator
Real Estate - 2nd Mortgage Owner Occupied (up to 80% loan to value) FREE IN 7	5.950	5.950	84	Calculator
Real Estate - 2nd Mortgage Owner and Nonowner Occupied Business	7.500	7.500	36	Calculator
Home Equity Line of Credit (HELOC) Call us for current rate information	Variable	Variable	n/a	Calculator
Kwik Cash Line of Credit (variable rate loan)	11.000	11.000	n/a	Calculator

*APR = Annual Percentage Rate
**Minimum of $15,000 to finance
^ Minimum of $20,000 to finance; new vehicles only
****Terms can be fixed or amortized over 30 years
# Free-in-10 is a fixed rate for 10-year repayment plan only
*****May be amortized over 15 years
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IMPORTANT NOTE: Chart also includes rates for applicable checking accounts.

Savings	Dividend Rate	APY*	Term
Share Savings ($50 minimum for dividends)	0.350	0.350	n/a
Share Savings - Youth ($1.00 minimum for dividends)	0.400	0.400	n/a
Regular Savings ($75 minimum for dividend)	0.500	0.500	n/a
Regular Savings - Youth ($1.00 minimum for dividends)	0.500	0.500	n/a
Prime Times Savings ($500 minimum for dividends)	0.600	0.600	n/a
Christmas Savings ($25.00 minimum for dividend)	0.500	0.500	n/a
HSA Savings ($25.00 minimum for dividend)	2.480	2.500	n/a
IRA Savings ($500 minimum for dividend)	1.340	1.350	n/a
Money Market Savings - Tiered Account ($2000 minimum for dividend)		0.000	n/a
Tier 1 ($2000.00 - $9999.99)	1.290	1.300	n/a
Tier 2 ($10,000 - $24,999.99)	1.390	1.400	n/a
Tier 3 ($25,000-$74,999.99)	1.490	1.500	n/a
Tier 4 ($75,000+)	1.590	1.600	n/a
Business Savings ($75.00 minimum for dividend)	0.500	0.500	n/a
Interest Checking ($1000 minimum for dividend)	0.300	0.300	n/a
Money Market Checking - Tiered Account ($2000 minimum for dividend)		0.000	n/a
Tier 1 ($2000.00-$9999.99)	1.000	1.000	n/a
Tier 2 ($10,000 +)	1.390	1.400	n/a
Organization Checking ($500 minimum for dividend)	0.300	0.300	n/a
Business Checking ($5000 minimum for dividends)	0.300	0.300	n/a

*APY = Annual Percentage Yield
Fees may reduce earnings on account.
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Certificates	Dividend Rate	APY*	Term
6-Month Certificate with $2500 Minimum Balance	1.190	1.200	6
6-Month Certificate with $10,000 Minimum Balance	1.390	1.400	6
7-Month Liquid Certificate with $10,000 Minimum Balance	1.440	1.450	7
9-Month Certificate with $5000 Minimum Balance	1.490	1.500	9
12-Month Certificate with $500 Minimum Balance (Education IRA)	.890	.890	12
12-Month Certificate with $1000 Minimum Balance	.990	.990	12
12-Month Certificate with $5000 Minimum Balance	1.740	1.750	12
15-Month Certificate with $5000 Minimum Balance	1.790	1.800	15
18-Month Certificate with $1000 Minimum Balance	1.590	1.600	18
18-Month Certificate with $5000 Minimum Balance	1.940	1.950	18
21-Month Certificate with $5000 Minimum Balance	1.940	1.950	21
24-Month Certificate with $1000 Minimum Balance	1.890	1.900	24
24-Month Certificate with $5000 Minimum Balance	1.990	2.000	24
30-Month Certificate with $1000 Minimum Balance	2.180	2.200	30
30-Month Certificate with $5000 Minimum Balance	2.330	2.350	30
36-Month Certificate with $1000 Minimum Balance	2.330	2.350	36
36-Month Certificate with $5000 Minimum Balance	2.480	2.500	36
48-Month Certificate with $1000 Minimum Balance	2.340	2.400	48
48-Month Certificate with $5000 Minimum Balance	2.620	2.650	48
60-Month Certificate with $1000 Minimum Balance	2.820	2.850	60
60-Month Certificate with $5000 Minimum Balance	2.980	3.000	60

*APY = Annual Percentage Yield
Fees may reduce earnings on account. A penalty may be imposed for early withdrawal.
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