LOAN RATES (Effective 6/10/2010)

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... 5 years 3.99% Up to... 6 years 5.50% Used Car Loans 2009-2010 models, up to... 5 years 3.99% 2008-2010 models, up to... 6 years 5.50% 2008 models, up to... 5 years 3.99% 2006-2007 models, up to... 5 years 5.25% 2004-2005 models, up to... 5 years 5.50% 2002-2003 models, up to... 5 years 6.00% Home Equity Loans Home Equity Up to... 5 years 4.50% Up to... 10 years 5.25% Up to... 15 years 5.75% Up to... 20 years 6.50% Share Secured Loans Fully Secured by Regular Shares            Up to... 5 years 5.50% Fully Secured by Share Certificate        Up tp... 5 years 5.50% 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% SUMMER SPECIAL - $3,000.00 for 18 MONTHS at 5.99%    Other Secured Loans New Motorcycles (2) Up to... 5 years 5.99% Up to... 6 years 7.00% Used Motorcycles 2009-2010 models, up to... 5 years 5.99% 2007-2008 models, up to... 5 years 7.00% 2005-2006 models, up to... 5 years 8.00% 2004 models and earlier, up to... 5 years 9.00% New Recreational Vehicles (2) Up to... 5 years 6.00% Up to... 8 years 7.00% Used Recreational Vehicles Up to... 5 years 7.50% New Boats (2) Up to... 5 years 6.50% Up to... 7 years 7.50% Used Boats Up to... 5 years 7.50% 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 share secured, summer special and VISA credit cards.  Rates shown also include a 0.25% reduction for automatic debit of loan payments, excluding the summer special and VISA credit cards.  Rates reflect current rate promotions. (2)  Current and prior year models not previously titled.

DIVIDEND RATES ON SHARES AND IRAS (Effective 7/1/2010)

Rates are subject to change without prior notice.

Account Minimum Balance Rate Posting Date Shares $5 - $500 0.30% Quarterly $501> 0.30% Quarterly Account Term Rate APY* Minimum Balance Posting Date Share Certificates   6 months 0.99% 1.00% $1,000 Monthly 12 months 1.24% 1.25% $500 Monthly 18 months 1.34% 1.35% $500 Quarterly 24 months 1.49% 1.50% $500 Quarterly 30 months 1.74% 1.75% $500 Quarterly 36 months 2.23% 2.25% $500 Quarterly Account Type Rate APY* Posting Date IRAs   Traditional 1.34% 1.35% Quarterly Roth 1.34% 1.35% Quarterly Educational 1.34% 1.35% Quarterly

*APY - Average Percentage Yield

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