Rates

Effective July 24

Checking

Account Minimum Amount to Earn Dividends Dividend Rate APY* Compound
ChaChing Checking $0.01 - $25,000.00 1.99% 2.01% Monthly
  $25,000.01 + 0.25% 0.25% Monthly
Non-Qualifying Rate 0.25% 0.25% Monthly
Commercial Checking** $5,000 - $24,999.99 0.10% 0.10% Monthly
  $25,000 - $49,999.99 0.15% 0.15% Monthly
  $50,000 + 0.20% 0.20% Monthly

*APY=Annual Percentage Yield. Rates subject to change without notice. **Subject to fees based on balance, fees may reduce earnings.

Certificates and IRAs

Account Term Minimum Amount to Earn Dividends Dividend Rate APY* Compound
Members Choice (Cert/IRA) Direct Deposit Only 12 Months N/A 0.35% 0.35% Quarterly
Certificates / IRA 3 Months $1,000.00 0.20% 0.20% Quarterly
  6 Months $1,000.00 0.35% 0.35% Quarterly
  9 Months $1,000.00 0.35% 0.35% Quarterly
  12 Months $1,000.00 0.70% 0.70% Quarterly
  15 Months $1,000.00 0.70% 0.70% Quarterly
  18 Months $1,000.00 0.70% 0.70% Quarterly
  21 Months $1,000.00 0.70% 0.70% Quarterly
  24 Months $1,000.00 1.00% 1.00% Quarterly
  30 Months $1,000.00 1.00% 1.00% Quarterly
  36 Months $1,000.00 1.19% 1.20% Quarterly
  42 Months $1,000.00 1.19% 1.20% Quarterly
  48 Months $1,000.00 1.54% 1.55% Quarterly
  54 Months $1,000.00 1.54% 1.55% Quarterly
  60 Months $1,000.00 1.74% 1.75% Quarterly
IRA Open Deposit $500.00 0.40% 0.40% Monthly

*APY=Annual Percentage Yield. Penalty on earnings for early withdrawal, fees may reduce earnings. Rates do not apply to institutional or government deposits.

Savings

Account Minimum Amount to Earn Dividends Dividend Rate APY* Compound
Personal Savings $500.00 + 0.25% 0.25% Monthly
Health Savings Account (HSA) $500.00 + 1.00% 1.00% Monthly
Christmas Club** $500.00 0.25% 0.25% Quarterly
Money Market Platinum*** $2,500 - $4,999.99 0.15% 0.15% Monthly
  $5,000 - $14,999.99 0.20% 0.20% Monthly
  $15,000 - $24,999.99 0.20% 0.20% Monthly
  $25,000 - $49,999.99 0.40% 0.40% Monthly
  $50,000 - $99,999.99 0.40% 0.40% Monthly
  $100,000 - $249,999.99 0.55% 0.55% Monthly
  $250,000.00 + 0.55% 0.55% Monthly
Business Savings $1,000.00 + 0.10% 0.10% Monthly
Business Money Market*** $25,000-$49,999.99 0.15% 0.15% Monthly
  $50,000-$99,999.99 0.20% 0.20% Monthly
  $100,000 + 0.30% 0.30% Monthly

*APY=Annual Percentage Yield. Rates subject to change without notice, fees may reduce earnings. ** Funds available for withdrawal between October 1st and March 1st. ***Limited to 6 preauthorized electronic withdrawals per month. Fees may apply after 6 withdrawals.

Loans

Type of Loan Term Rates As Low As
Loans with Collateral (Cars, Trucks, Boats, Etc.) 36 Months 2.75% APR*
  48 Months 2.95% APR*
  60 Months 3.45% APR*
  72 Months 3.95% APR*
  84 Months 4.95% APR*
Signature Terms May Vary 8.95% APR*

*See current promotional rate

Kwik Cash Line of Credit 18.0% APR*
Savings Secured Terms May Vary Savings Rate +4%
Home Equity Loan 80% Loan to Value 4.25%
Home Equity Loan 90% Loan to Value 5.25%
Home Equity Line of Credit 80% Loan to Value As low as 4.00%
Home Equity Line of Credit 90% Loan to Value As low as 4.25%
New Mobile Home 15 Yrs, 3 Year Balloon, 20% Down 10.40% APR*
Used Mobile Home 15 Yrs, 3 Year Balloon, 20% Down 10.40% APR*
Land/Recreational 20% Down 3YR. ARM No Points 5.25% APR*

*APR=Annual Percentage Rate. **Variable rate revolving line of credit, rate tied to Prime Rate as published in the Wall Street Journal, change effective at beginning of statement cycle after rate change occurs. Home equity lines-of-credit opened or renewed after 12 carry a floor rate of 4.0%.