Loans       Description Rate Term Auto Loan (2008 - 2010) 4.99% 60 months Auto Loan (2008 - 2010) 5.24% 72 months Auto Loan (2008 - 2010) 5.74% 84 Months Auto Loan (2004 - 2007) 5.25% 60 months Auto Loan (2004 - 2007) 5.75% 72 Months Auto Loan (1999 - 2003) 8.25% 48 months       Personal Loan 11.70% 24 months       Visa Platinum 10.95% line of credit Visa Classic 14.95% line of credit       Deposit Secured 3.00% above savings rate 60 months       Motorhomes, Campers, Boats 7.50% 120 months Motorcycles/ATV/PWC 7.50% 60 months       Christmas Loan 8.95% 12 months Real Estate Description Rate Term Closed 1st 6.15% 120 months Closed 1st 6.25% 180 months Closed 2nd 7.25% 60 months Closed 2nd 9.25% 180 months Home Equity Prime open end / 80% LTV Vacant Lot 8.75% 120 months       Regular Shares (Savings)         Description Rate APY Minimum Amount Regular Shares 0.15% 0.15% $100.00         Share Draft (Checking)         Description Rate APY Minimum Amount Life Checking 0.10% 0.10% $1,000 Free Checking 0.00% 0.00% $0.00 iAccount 0.00% 0.00% $0.00 Premier Checking           Description Rate APY Minimum Balance Maximum Balance Premier Checking 0.00% 0.00% $   - $2,500.00 Premier Checking 0.10% 0.10% $2,500.01 $10,000.00 Premier Checking 0.25% 0.25% $10,000.01 $25,000.00 Premier Checking 0.40% 0.40% $25,000.01 $150,000.00 Premier Checking 0.60% 0.60% $150,000.01 and above Money Market Account (MMDA)*           Description Rate APY Minimum Balance Maximum Balance Money Market 0.15% 0.15% $   - $2,500.00 Money Market 0.15% 0.15% $2,500.01 $10,000.00 Money Market 0.35% 0.35% $10,000.01 $25,000.00 Money Market 0.50% 0.50% $25,000.01 $75,000.00 Money Market 0.60% 0.60% $75,000.01 $150,000.00 Money Market 0.60% 0.60% 150,000.01 and above Individual Retirement Account (IRA)         Description Rate APY Minimum Amount IRA 0.60% 0.60% $0.00         Term Share Account (Certificate of Deposit)*       Term of CD Rate APY 6 Month 0.60% 0.60% 12 Month 0.70% 0.70% 18 Month 0.75% 0.75% 24 Month 1.09% 1.10% 36 Month 1.49% 1.50% 48 Month 1.985% 2.00% 60 Month 2.48% 2.50%       Unlimited Term Share Account (Certificate of Deposit)*       Term of CD Rate APY 8 Month 0.60% 0.60% 15 Month 0.70% 0.70%                         *Dividend rates can change on a daily basis. The rates listed are our best rates, your rate may be higher depending on your credit history. Rates may change without notice. Effective 03/17/2010 APY = Annual Percentage Yield