Effective 6/25/08

Financial calculator:
loanliner

Share & Club Share Accounts:
If minimum of $100 balance is met
• $1 - $1,999 - 1.00%
• $2000 - $4,999 - 1.15%
• $5,000 and over - $1.65%

Christmas Club Accounts:
Dividend declared of 2.00% to be paid on 9/30/08
• No withdrawals allowed unless closing account

Term Share Certificates of Deposit*:
• 6 months - 2.55% yield-2.58%
• 1 year - 2.75% yield-2.79%
• 2 year - 2.95% yield-2.99%

*Closing prior to maturity is subjected to a loss of 90 days dividend

Loan rates using our Performance Based Pricing

Autos & Motorcycles: 4.75% - 14.50%:
• new up to 100% financing & 72 month term
• used up to 90% financing & 60 month term

Recreational Collateral: 5.75% - 15.50%:
• new up to 100% financing & 72 month term
• used up to 90% financing & 60 month term

Home Equity - 5.50% - 12.00%:
5 year fixed rate, amortized up to 15 years
with a balloon payment after 5 years
• financing up to 80% LTV (Loan to Value) maximum $150,000
• minimal closing costs

Share Secured - 4.75% up to 72 month financing:
• limited to available share balance

Signature - 9.25% - 17.75%
• $5,000 maximum up to 48 months financing

Certificate Secured -2% above certificate rate
• must be paid in full before certificate maturity

Total of all loan balances excluding Home Equity is $50,000 per member. All share and loan rates are subject to change at the discretion of the Board of Directors, except in the instance of a previously advertised special whereby those special dates/terms are clearly disclosed and defined.