CONSUMER LOAN RATES
(Effective: July 01, 2008)

New and Used cars, boats, RVs
Loan Category	APR as low as**
Titanium	5.49%
Platinum	5.99%
Gold	6.99%
Silver	7.99%
Bronze	8.49%
Copper	9.49%
Other Secured Loans
More than $1,500	7.99%
Less than $1,500	12.90%
Signature & Personal Loans
Loan Category	APR as low as**
Titanium	8.95%
Platinum	9.95%
Gold	10.95%
Silver	12.95%
Bronze	14.45%
Copper	15.95%
Holiday Loan Special (expires 09/15/08) $1,000 minimum	8.99%
Share Secured
Regular shares	4% over current rate
CD secured	2% over current rate
Real Estate
1st Mortgage 80% LTV	5.48%
1st Mortgage 90% LTV	5.98%
1st Mortgage 100% LTV	6.48%
2nd Mortgage*** 5.98% - 7.98%

***(second mortgage rates vary depending on Loan to Value percentage and repayment terms)

DISCOUNT: A 0.25% discount will be given off the above stated rates to any member who has an active share draft account in good standing. A 0.25% discount will be given off the above stated rates to any member who puts 20% down when purchasing titled collateral. These discounts do not apply to share secured or real estate loans.

72MO FINANCING: Any titled Collateral loans booked in which an extended term of 72 months is given, a 1% increase in the rate will apply.

PERSONAL LINES OF CREDIT: Any Personal Line of Credit loan booked will have a 1% increase in the above quoted rate.

**ANNUAL PERCENTAGE RATES: Your APR and loan category will be determined by your credit score and credit history. Please consult with a loan officer for details regarding how your rate is determined. On all unsecured loans, your term is based on amount borrowed. For vehicle loans, terms are based on the age of the vehicle. Normal Lending Policies Apply.