Loan Rates

New Auto Loans
Term	Discount APR	Fixed APR	Variable APR
24-36 months	3.74%	3.99%	3.12%
48-60 months	3.74%	3.99%	3.12%
72 months	5.25%	5.50%	4.12%
84 months	5.50%	5.75%	5.12%

Used Auto Loans Up to 5 years - over 5 add 1.50% to the rate per year
Term	Discount APR	Fixed APR	Variable APR
2007	5.25%	5.50%	5.12%
2006	5.50%	5.75%	5.12%
Older	6.74%	6.99%	7.12%
Classic	5.75%	6.00%	5.12%

New Recreation Vehicle
Term	Fixed APR	Variable APR
36 months	6.25%	5.12%
48-60 months	6.50%	5.12%
61-96 months	7.00%	6.12%
97-144 months	7.50%	7.12%

Used Recreation
Term	Fixed APR	Variable APR
36 months	6.25%	5.12%
48-60 months	6.50%	5.12%
61-72 months	8.00%	6.12%
73-120 months	9.00%	7.12%

Computer Loan
Term	Discount APR	Fixed APR
36 MONTHS	8.25%	8.50%

Closed End Unsecured Loan
Term	Discount APR	Fixed APR
36 months	11.65%	11.90%
48 months	12.65%	12.90%

Loan Special
Amount	Term	Discount APR	Fixed APR
$2000.00	12 Months	6.25%	6.50%
$4000.00	24 Months	7.25%	7.50%
$6000.00	36 Months	8.25%	8.50%

Equipment Loan
Type	Discount APR	Fixed APR	Variable APR
New to 60 months	5.50%	5.75%	5.16%
72 - 84 months	7.50%	7.75%	7.16%
Used up to 48 months	8.00%	8.25%	7.16%

Home Equity Loan
	Variable APR 1/2% below prime
Prime Rate 3.25% Changed 12/17/08	4.75%

Share Pledge
Term	Fixed APR	Variable APR
2 years	3.90%	3.12%
3 years	4.25%	3.12%
4 years	4.50%	4.12%
5 years	4.75%	4.12%
61-144 months	n/a	5.12%

VISA Classic and Gold

13.8% APR
www.ezcardinfo.com
CERTEGY Card Services 800-237-6211

Elite Express
Amount	Discount APR	Fixed APR
$5,000/max $25,000	11.25%	11.50%

Revolving Credit

14.9% APR
Minimum $500

Overdraft Protection

14.9% APR
Minimum $100 Maximum $5000

Important Phone Numbers
Service	Phone Number
Mortgage Center	888-562-6865
Debit Card Activation	800-466-0040
Debit Card Lost/Stolen	800-754-4128

*APR = Annual Percentage Rate, subject to change. Variable rates based on T-Bill, plus points determined by the term of the loan. Variable rates are subject to change quarterly.