SAVINGS ACCOUNTS Minimum To Open Dividend Rate APY *
Regular Savings ` ^^^ $5 0.030% 0.03%
eSavings ` $5 0.030% 0.03%
Club Account ^ *** $5 0.030% 0.03%
CHECKING ACCOUNTS Minimum To Open Dividend Rate APY *
FREE Checking $25 0.00% 0.00%
eChecking ` ^^ $25 0.030% 0.03%
Premier Checking ` $2,000 0.030% 0.03%
Right Start Checking $25 0.00% 0.00%
MONEY MARKET ACCOUNT ** Dividend Rate APY *
$100,000 + 0.100% 0.10%
$50,000 - $99,999 0.100% 0.10%
$10,000 - $49,999 0.100% 0.10%
$2,500 - $9,999 0.100% 0.10%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 1.000% 1.00% 1.000% 1.00% 1.000% 1.00%
48-Month 0.850% 0.85% 0.850% 0.85% 0.850% 0.85%
36-Month 0.750% 0.75% 0.750% 0.75% 0.750% 0.75%
24-Month 0.650% 0.65% 0.650% 0.65% 0.650% 0.65%
12-Month 0.500% 0.50% 0.500% 0.50% 0.500% 0.50%
6-Month 0.250% 0.25% 0.250% 0.25% 0.250% 0.25%
3-Month 0.150% 0.15% 0.150% 0.15% 0.150% 0.15%
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 1.000% 1.00% 1.000% 1.00% 1.000% 1.00%
48-Month Fixed 0.850% 0.85% 0.850% 0.85% 0.850% 0.85%
36-Month Variable 0.190% 0.19% 0.190% 0.19% 0.190% 0.19%
36-Month Fixed 0.750% 0.75% 0.750% 0.75% 0.750% 0.75%
24-Month Fixed 0.650% 0.65% 0.650% 0.65% 0.650% 0.65%
18-Month Variable 0.280% 0.28% 0.280% 0.28% 0.280% 0.28%
12-Month Fixed 0.500% 0.50% 0.500% 0.50% 0.500% 0.50%
IRA SAVINGS (Traditional, Roth and Coverdell) Minimum To Open Dividend Rate APY *
IRA Savings (Traditional, Roth and Coverdell) Account $5 0.100% 0.10%


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%
2.74%
2.74%
2.74%
2.99%
4.24%
5.99%
$42.43
$28.97
$22.02
$17.85
$15.19
$13.78
$13.14
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%
2.99%
2.99%
2.99%
3.24%
4.49%
6.24%
$42.65
$29.08
$22.13
$17.96
$15.30
$13.90
$13.26
Classic Vehicles `` $15,000 +
$15,000 +
$15,000 +
$25,000 +
Up to 4 Years
5 Years
6 Years
7 Years
4.99%
4.99%
5.24%
6.49%
$23.02
$18.87
$16.22
$14.84
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
SPECIAL PERSONAL LOAN OFFER ` APR * Estimated Payment Per $1,000 ^^
Personal Loan ` ** 3.49% $84.92
PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Debt Consolidation ` ** 8.74% $87.33
Signature Line of Credit ` ^ 9.49% 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 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 8.99% N/A
Visa Gold 9.24% N/A
Visa Classic 9.49% N/A
Engage Rewards Visa Signature 10.99% N/A


FIXED RATE
CONFORMING
Up to $510,400 to $981,700 depending on county ^
Loan Rates
as low as* `
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year 2.675%
2.775%
2.875%
0.975%
0.525%
0.000%
2.750%
2.816%
2.875%
$4.04
$4.10
$4.15
20 Year 2.675%
2.775%
2.875%
0.975%
0.438%
0.000%
2.782%
2.824%
2.875%
$5.38
$5.43
$5.48
15 Year 2.550%
2.650%
2.750%
0.450%
0.225%
0.000%
2.614%
2.683%
2.750%
$6.69
$6.74
$6.79
JUMBO
Up to $2,000,000
Loan Rates
as low as* `
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 3.175%
3.275%
3.375%
2.000%
1.000%
0.000%
3.332%
3.354%
3.375%
$4.31
$4.37
$4.42
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 $510,400 to $981,700 depending on county ^
Loan Rates
as low as* `
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
2.925%
2.950%
3.000%
0.150%
0.100%
0.000%
3.812%
3.817%
3.827%
$4.18
$4.19
$4.22
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.025%
3.075%
3.125%
0.200%
0.100%
0.000%
3.711%
3.726%
3.740%
$4.23
$4.26
$4.28
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.150%
3.200%
3.250%
0.200%
0.100%
0.000%
3.606%
3.628%
3.650%
$4.30
$4.32
$4.35
$6.21
$6.21
$6.21
JUMBO
Up to $2,000,000
Loan Rates
as low as* `
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
2.925%
3.025%
3.125%
0.800%
0.400%
0.000%
3.864%
3.867%
3.870%
$4.18
$4.23
$4.28
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
2.925%
3.025%
3.125%
1.000%
0.500%
0.000%
3.728%
3.734%
3.740%
$4.18
$4.23
$4.28
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.050%
3.150%
3.250%
1.200%
0.600%
0.000%
3.625%
3.638%
3.650%
$4.24
$4.30
$4.35
$6.21
$6.21
$6.21
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 4.25%
as low as 4.75%
$7.52
$18.76
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 5.50%
as low as 6.875%
$8.17
$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