Current Rates

Savings

Regular Savings (Share) Account	Rate	Paid	APY
$25.00 to $999.99	0.444%	Monthly	0.45%
$1,000.00 or More	0.499%	Monthly	0.50%
Premium Savings (Share) Account	Rate	Paid	APY
$2,000.00 to $9,999.99	0.549%	Monthly	0.55%
$10,000.00 to $24,999.99	0.599%	Monthly	0.60%
$25,000.00 to $49,999.99	0.649%	Monthly	0.65%
$50,000.00 to $99,999.99	0.699%	Monthly	0.70%
$100,000.00 and Over	0.748%	Monthly	0.75%
Note: if balance falls below $2,000.00 on Premium Share account, then dividend is paid at the Regular Share Rate.
IRA Accounts	Rate	Paid	APY
	0.748%	Monthly	0.75%
Checking (Share Draft) Accounts	Rate	Paid	APY
	0.349%	Monthly	0.35%
Christmas Club Accounts	Rate	Paid	APY
Deposit To Shares	0.499%	Monthly	0.50%
Vacation Club Accounts	Rate	Paid	APY
Deposit To Shares	0.499%	Monthly	0.50%

Savings (Share) Certificates & IRA Certificates

$1000.00 minimum	Rate	Paid	APY
3 Month	0.549%	Monthly	0.55%
6 Month	0.599%	Monthly	0.60%
9 Month	0.649%	Monthly	0.65%
12 Month	0.749%	Monthly	0.75%
15 Month	0.749%	Monthly	0.75%
18 Month	0.799%	Monthly	0.80%
21 Month	0.899%	Monthly	0.90%
24 Month	0.999%	Monthly	1.00%
Rising Market 36 Month	1.248%	Monthly	1.25%
Market Index Certificate	Dow Jones	Maturity	3 or 5 year terms
Note: Educational IRAs may be purchased for a minimum of $500.00 for any term listed above including the Market Index Certificate.

Loans

Savings (Shares) Secured Loans
Current Dividend + 2% Variable Rate / Annual Percentage Rate
Certificate of Deposit Secured Loans
Current Dividend + 2% Variable Rate / Annual Percentage Rate
Personal Loans	Annual percentage rates may be as low as*
36 months	9.90%
48 months	10.15%
60 months	10.15%
66 months	10.40%
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.
Unsecured Single Pay Note	Annual Percentage Rate
90 day note	15.00%
Overdraft Protection Line of Credit	Annual Percentage Rate
Requires minimum $50.00 monthly payments	15.00%
Personal Line of Credit	Annual Percentage Rate
Reguires minimum $75.00 monthly payments	15.00%
Vehicle Loans	Annual percentage rates may be as low as*
36 months	2.40%
48 months	2.65%
60 months	3.15%
66 months	3.40%
72 months	3.65%
* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.
Mortgage Loan / Conventional and Home Equity Loans
In house first and second mortgages are available.  Secondary market real estate loans are available for terms up to 30 years.  For more information call 485-4523 ext. 1138, or email us here.
Mobile Home & Land Loan
See information on Mortgage Loan/Conventional and Home Equity Loans
Unimproved Property (Deed of Trust Required)	Annual percentage rates may be as low as*
L-T-V 80% Max | 20% Down | 180 Months	5.250%
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness.
Motorcycles / ATVs Loans	Annual percentage rates may be as low as*
36 months	2.40%
48 months	2.65%
60 months	3.15%
66 months	3.40%
* All loans are considered on an individual basis.  Rates may vary based upon individual credit worthiness. Terms and conditions apply.
Boats & RVs	Annual percentage rates may be as low as*
36 months	2.40%
48 months	2.65%
60 months	3.15%
66 months	3.40%
72 months	3.65%
73-120 months	6.15%
$15,000 minimum loan amount for terms from 61 - 120 Months
* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.
Miscellaneous Equipment Loans	Annual percentage rates may be as low as*
36 months	2.40%
48 months	2.65%
60 months	3.15%
* All loans are considered on an individual basis. Rates may vary based upon individual credit worthiness. Terms and conditions apply.