Rates

Rates effective as of February 1, 2018

Loans

Loans	Rate	APR	APY	Term in Months
Home Equity Line of Credit As low as Prime -1/2% Variable* Rate	4.00	4.00	4.00	120
New Vehicle Loan* As low as...	3.00	3.00	3.00	up to 84
Used Vehicle Loan* As low as...	3.00	3.00	3.00	up to 84
Other Secured Loans* As low as...	7.25	7.25	7.25	up to 84
Personal/Signature Loan* As low as...	9.90	9.90	9.90	up to 72
Line of Credit* As low as...	9.90	9.90	9.90	n/a
VISA Credit Card	8.90	8.90	8.90	n/a
Secured by Share Account (under 5 years)	3.00	3.00	3.00	up to 60
Secured by a Share Account (over 5 years)	4.00	4.00	4.00	up to 120
Secured by a Share Certificate	6.50	6.50	6.50	n/a
Home Equity Line of Credit Rate is determined ten days before the end of each calendar quarter. The rate is variable and is subject to change each quarter. *As low as signifies that your loan rate will be determined by your credit qualifications. Your Loan Officer will disclose your rate based on your credit score information.

Checking Account

Checking Account Dividends paid monthly on average daily balance

APR = 0.30%

APY* = 0.30%

Savings

Savings	Rate	APY*	Term
Share Savings Account Dividends Paid Quarterly	0.40	0.40	n/a
Money Market Shares ($500.00 minimum balance) Dividends Paid Monthly	0.65	0.65	n/a
Christmas Club Account Dividends Paid Monthly	0.40	0.40	n/a
APR = Annual Percentage Rate APY = Annual Percentage Yield

Certificates

Certificates	Rate (APR)	APY*	Term
Share Certificate 6 month	0.90	0.90	6 Months
Share Certificate 12 month	1.00	1.00	12 Months
Share Certificate 24 month	1.25	1.26	24 Months
Save to Win Share Certificate 12 month $25 Minimum Balance Required	0.45	0.45	12 Months
All Certificates require a minimum $500 minimum balance unless otherwise stated. Dividends Paid Quarterly APR = Annual Percentage Rate APY = Annual Percentage Yield