Term	APR*	APY**	Notes
6 Month	.40%	.40%
12 Month	.65%	.65%
24 Month	1.00%	1.00%
36 Month	1.25%	1.26%
			Effective Date: 05/19/2011

*APR = Annual Percentage Rate
**APY = Annual Percentage Yield

Loan Type	Term	APR*	Notes
Vehicle Loan	36 Months	3.95%
	48 Months	4.45%
	60 Months	4.95%
	72 Months	5.45%
Signature	24 Months	12.00%
	36 Months	12.50%
	48 Months	13.00%
	60 Months	13.50%
	72 Months	14.00%
Share Secured		2.00% above current dividend rate.	Minimum 4.00%
CD Secured		2.00% above current CD rate.	Minimum 6.00%
Visa Credit Cards		11.00%
Home Equity Line of Credit		5.00%
Overdraft Protection		18.00%
			All rates effective: 2/1/2011

*APR = Annual Percentage Rate
**APY = Annual Percentage Yield

The above rates reflect a discount of .25% for payroll deduction, auto transfer or automatic debit of a checking account. Loan rates can vary depending on credit score.

All rates are subject to change.