LOAN RATES

Rates are subject to change at any time without prior notice.

Type of Loan Description Term Rate (1) Car Loans New Car Loans (2) Up to... 4 years 2.50% Up to... 5 years 2.99% Up to... 6 years 3.50% Used Car Loans 2010-2012 models, up to... 4 years 2.50% 2010-2012 models, up to... 5 years 2.99% 2010-2012 models, up to... 6 years 3.50% 2009 models, up to... 5 years 3.50% 2009 models, up to... 6 years 4.00% 2008 models, up to... 5 years 3.99% 2007 models, up to... 5 years 4.50% 2006 models, up to... 5 years 5.00% 2002-2005 models, up to... 5 years 5.75% Home Equity Loans Home Equity  * requires qualified checking account Member Loyalty Reward * 7 years 3.75% Up to... 5 years 3.99% Up to... 10 years 4.99% Up to... 15 years 5.50% Up to... 20 years 6.50% Share Secured Loans Fully Secured by Regular Shares            Up to... 5 years 3.99% Fully Secured by Share Certificate        Up tp... 5 years 3.99% Unsecured Loans Unsecured Up to $5,000 for up to... 12 months  9.00% $2,001 - $5,000 for up to... 24 months 10.00% $3,501 - $5,000 for up to... 60 months 10.74% HOLIDAY SPECIAL - $3,000.00 for 18 MONTHS at 5.99%    Other Secured Loans New Motorcycles (2) Up to... 4 years 3.99% Up to... 5 years 4.99% Up to... 6 years 5.99% Used Motorcycles 2011-2012 models, up to... 4 years 3.99% 2011-2012 models, up to... 5 years 4.99% 2011-2012 models, up to... 6 years 5.99% 2009-2010 models, up to... 4 years 4.49% 2009-2010 models, up to... 5 years 5.49% 2009-2010 models, up to... 6 years 6.49% 2007-2008 models, up to... 5 years 6.49% 2003-2006 models, up to... 5 years 9.00% New Recreational Vehicles (2) Up to... 5 years 5.99% Up to... 8 years 6.25% Used Recreational Vehicles Up to... 5 years 6.99%   Up to... 7 years 7.25% New Boats (2) Up to... 5 years 5.99% Up to... 7 years 6.25% Used Boats Up to... 5 years 6.99%   Up to... 7 years 7.25% Credit Card VISA Credit Card Up to $5,000.00 Revolving 12.90% (1)  Rates shown are as low as and may be higher based on creditworthiness, excluding home equity credit lines, share secured, unsecured specials and VISA credit cards.  Rates shown also include a 0.25% reduction for automatic debit of loan payments, excluding home equity credit lines, unsecured specials and VISA credit cards.  Rates reflect current rate promotions. (2)  New vehicles include current and prior year models that are once titled, within 6 months of purchase, and with less than 5,000 miles.

DIVIDEND RATES ON SHARES AND IRAS

Rates are subject to change without prior notice.

Account Minimum Balance Rate Posting Date Shares $5 - $500 0.20% Quarterly $501> 0.20% Quarterly Account Term Rate APY* Minimum Balance Posting Date Share Certificates    (effective January 13) 6 months 0.49% 0.50% $1,000 Monthly 12 months 0.69% 0.70% $500 Monthly 18 months 0.84% 0.85% $500 Quarterly 24 months 1.04% 1.05% $500 Quarterly 30 months 1.19% 1.20% $500 Quarterly 36 months 1.34% 1.35% $500 Quarterly Account Type Rate APY* Posting Date IRAs   Traditional 0.873% 0.875% Quarterly Roth 0.873% 0.875% Quarterly Educational 0.873% 0.875% Quarterly

*APY - Annual Percentage Yield

Service Fee Schedule