SAVINGS ACCOUNTS Minimum To Open Dividend Rate APY *
Regular Savings ` ^^^ $5 0.10% 0.10%
eSavings ` $5 0.10% 0.10%
Club Account ^ *** $5 0.10% 0.10%
CHECKING ACCOUNTS Minimum To Open Dividend Rate APY *
FREE Checking $25 0.00% 0.00%
eChecking ` ^^ $25 0.10% 0.10%
Premier Checking ` $2,000 0.10% 0.10%
Right Start Checking $25 0.00% 0.00%
MONEY MARKET ACCOUNT ** Dividend Rate APY *
$100,000 + 0.55% 0.55%
$50,000 - $99,999 0.55% 0.55%
$10,000 - $49,999 0.50% 0.50%
$2,500 - $9,999 0.45% 0.45%
SPECIAL SHARE CERTIFICATE ` *** $1,000 Minimum
Dividend Rate APY §
13-Month 2.470% 2.50%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 2.521% 2.55% 2.521% 2.55% 2.521% 2.55%
48-Month 2.472% 2.50% 2.423% 2.45% 2.374% 2.40%
36-Month 2.374% 2.40% 2.325% 2.35% 2.227% 2.25%
24-Month 2.178% 2.20% 2.129% 2.15% 2.031% 2.05%
12-Month 1.943% 1.96% 1.893% 1.91% 1.736% 1.75%
6-Month 1.490% 1.50% 1.440% 1.45% 1.391% 1.40%
3-Month 1.104% 1.11% 1.055% 1.06% 0.995% 1.00%
IRAS *** (Traditional, Roth and Coverdell) $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month Fixed 2.521% 2.55% 2.521% 2.55% 2.521% 2.55%
48-Month Fixed 2.472% 2.50% 2.423% 2.45% 2.374% 2.40%
36-Month Variable 2.310% 2.33% 2.310% 2.33% 2.310% 2.33%
36-Month Fixed 2.374% 2.40% 2.325% 2.35% 2.227% 2.25%
24-Month Fixed 2.178% 2.20% 2.129% 2.15% 2.031% 2.05%
18-Month Variable 2.570% 2.60% 2.570% 2.60% 2.570% 2.60%
12-Month Fixed 1.943% 1.96% 1.893% 1.91% 1.736% 1.75%
IRA SAVINGS (Traditional, Roth and Coverdell) Minimum To Open Dividend Rate APY *
IRA Savings (Traditional, Roth and Coverdell) Account $5 0.200% 0.20%


VEHICLE LOANS ` Loan Amounts Term APR * Estimated Payment Per $1,000 ^^
New Vehicles


$10,000 +
$15,000 +
$25,000 +

Up to 2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
8 Years
1.74%
3.49%
3.49%
3.49%
3.49%
3.99%
5.74%
$42.43
$29.30
$22.35
$18.19
$15.41
$13.66
$13.02
Used Vehicles


$10,000 +
$15,000 +
$25,000 +

Up to 2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
8 Years
2.24%
3.74%
3.74%
3.74%
3.74%
4.24%
5.99%
$42.65
$29.41
$22.46
$18.30
$15.53
$13.78
$13.14
Classic Vehicles `` $15,000 +
$15,000 +
$15,000 +
$25,000 +
Up to 4 Years
5 Years
6 Years
7 Years
5.74%
5.74%
5.74%
6.24%
$23.37
$19.21
$16.45
$14.72
New Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.74%
4.99%
5.24%
5.49%
$29.85
$23.02
$18.98
$16.33
Used Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
5.24%
5.49%
5.74%
5.99%
$30.08
$23.25
$19.21
$16.57
New Boat/RV

$10,000+
$20,000+
$30,000+
$30,000+
$30,000+
Up to 3 Years
4 Years
5 Years
6 Years
7-10 Years
11-12 Years
13-15 Years
4.24%
4.49%
4.74%
4.99%
5.99%
7.99%
9.99%
$29.63
$22.80
$18.75
$16.10
$14.60
$11.41
$11.47
Used Boat/RV

$10,000+
$20,000+
$30,000+
$30,000+
$30,000+
Up to 3 Years
4 Years
5 Years
6 Years
7-10 Years
11-12 Years
13-15 Years
4.74%
4.99%
5.24%
5.49%
6.49%
8.49%
10.49%
$29.85
$23.02
$18.98
$16.33
$14.84
$11.68
$11.77
New ATV/Power Sports
$5,000+
$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.74%
4.99%
5.24%
5.49%
$29.85
$23.02
$18.98
$16.33
Used ATV/Power Sports
$5,000+
$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
5.24%
5.49%
5.74%
5.99%
$30.08
$23.25
$19.21
$16.57
Airplane Loans
$30,000 +
Up to 6 Years
7 - 15 Years
7.50%
7.75%
$17.29
$15.46
SPECIAL PERSONAL LOAN OFFER ` APR * Estimated Payment Per $1,000 ^^
Personal Loan ` ** 3.49% $84.92
FIXED-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 9.49% N/A
Visa Gold 10.24% N/A
Visa Classic 11.24% N/A
VARIABLE-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 8.74% N/A
Visa Gold 8.99% N/A
Visa Classic 9.24% N/A
Engage Rewards Visa Signature 13.24% N/A
PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Debt Consolidation ` ** 8.74% $87.33
Signature Line of Credit ` ^ 9.24% N/A
SECURED LOANS APR * Estimated Payment Per $1,000 ^^
Certificate Secured ** 2.00% above certificate dividend rate% N/A
Share Secured Visa Classic ** 11.49% N/A


FIXED RATE
CONFORMING
Up to $484,350 – $726,525 depending on county ^
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year 3.550%
3.650%
3.750%
0.738%
0.300%
0.000%
3.610%
3.675%
3.750%
$4.52
$4.57
$4.63
20 Year 3.425%
3.525%
3.625%
0.625%
0.275%
0.000%
3.496%
3.557%
3.625%
$5.76
$5.81
$5.86
15 Year 3.050%
3.150%
3.250%
0.188%
0.175%
0.000%
3.078%
3.176%
3.251%
$6.93
$6.98
$7.03
JUMBO
Up to $2,000,000
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 3.425%
3.525%
3.625%
2.000%
1.000%
0.000%
3.585%
3.606%
3.625%
$4.45
$4.50
$4.56
15 Year Jumbo 3.050%
3.150%
3.250%
1.200%
0.600%
0.000%
3.222%
3.237%
3.250%
$6.93
$6.98
$7.03
ADJUSTABLE RATE
CONFORMING
Up to $484,350 – $726,525 depending on county ^
Loan Rates ` Loan Points APR * Introductory Period
Payment per $1,000 ^^
Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months
2.800%
2.900%
3.000%
0.425%
0.175%
0.000%
4.429%
4.444%
4.465%
$4.11
$4.16
$4.22
$6.02
$6.02
$6.02
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
2.925%
3.025%
3.125%
0.550%
0.238%
0.000%
4.220%
4.240%
4.267%
$4.18
$4.23
$4.28
$6.28
$6.28
$6.28
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.050%
3.150%
3.250%
0.750%
0.363%
0.000%
3.977%
4.006%
4.036%
$4.24
$4.30
$4.35
$6.77
$6.77
$6.77
JUMBO
Up to $2,000,000
Loan Rates ` Loan Points APR * Introductory Period
Payment per $1,000 ^^
Adjustable Period
Payment per $1,000 ^^
5/1
Introductory Period: 60 Months
Adjustable Period: 300 Months
2.675%
2.775%
2.875%
0.800%
0.400%
0.000%
4.416%
4.419%
4.421%
$4.04
$4.10
$4.15
$6.02
$6.02
$6.02
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
2.675%
2.775%
2.875%
1.000%
0.500%
0.000%
4.142%
4.148%
4.153%
$4.04
$4.10
$4.15
$6.28
$6.28
$6.28
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
2.925%
3.025%
3.125%
1.200%
0.600%
0.000%
3.938%
3.950%
3.962%
$4.18
$4.23
$4.28
$6.77
$6.77
$6.77
HOME EQUITY LINES of CREDIT APR * Estimated Payment
Per $1,000 ^^
Flex Rate Home Equity Line of Credit (up to 80% CLTV)**1
Fixed-Rate Lock Option+2
as low as 5.50%
as low as 4.75%
$8.17
$18.76
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 7.75%
as low as 6.875%
$9.41
$19.74
HOME EQUITY LOANS
Up to $250,000
APR * Estimated Payment
Per $1,000 ^^
Home Equity Loan**2 as low as 5.00% $18.87
SECOND MORTGAGE
Up to $250,000
APR * Estimated Payment
Per $1,000 ^^
Down Payment Second Mortgage*** as low as 8.00% $9.56