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%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 2.52% 2.55% 2.52% 2.55% 2.52% 2.55%
48-Month 2.47% 2.50% 2.42% 2.45% 2.37% 2.40%
36-Month 2.37% 2.40% 2.33% 2.35% 2.23% 2.25%
24-Month 2.18% 2.20% 2.13% 2.15% 2.03% 2.05%
12-Month 1.94% 1.96% 1.89% 1.91% 1.74% 1.75%
6-Month 1.49% 1.50% 1.44% 1.45% 1.39% 1.40%
3-Month 1.10% 1.11% 1.05% 1.06% 1.00% 1.00%
SPECIAL VARIABLE SHARE CERTIFICATE ` *** $1,000 Minimum
Dividend Rate APY *
25-Month 2.03% 2.05%
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 2.52% 2.55% 2.52% 2.55% 2.52% 2.55%
48-Month Fixed 2.47% 2.50% 2.42% 2.45% 2.37% 2.40%
36-Month Variable 2.84% 2.88% 2.84% 2.88% 2.84% 2.88%
36-Month Fixed 2.37% 2.40% 2.33% 2.35% 2.23% 2.25%
24-Month Fixed 2.18% 2.20% 2.13% 2.15% 2.03% 2.05%
18-Month Variable 2.71% 2.74% 2.71% 2.74% 2.71% 2.74%
12-Month Fixed 1.94% 1.96% 1.89% 1.91% 1.74% 1.75%
IRA SAVINGS (Traditional, Roth and Coverdell) Minimum To Open Dividend Rate APY *
IRA Savings (Traditional, Roth and Coverdell) Account $5 0.20% 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%
3.74%
5.49%
$42.43
$29.30
$22.35
$18.19
$15.41
$13.55
$12.89
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
4.24%
4.49%
4.74%
5.49%
$22.69
$18.64
$15.98
$14.37
New Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.49%
4.74%
4.99%
5.24%
$29.74
$22.91
$18.87
$16.22
Used Motorcycle

$10,000+
$20,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.99%
5.24%
5.49%
5.74%
$29.97
$23.14
$19.10
$16.45
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
3.99%
4.24%
4.49%
4.74%
5.74%
7.74%
9.74%
$29.52
$22.69
$18.64
$15.98
$14.48
$11.28
$11.33
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
4.49%
4.74%
4.99%
5.24%
6.24%
8.24%
10.24%
$29.74
$22.91
$18.87
$16.22
$14.72
$11.55
$11.62
New ATV/Power Sports
$5,000+
$10,000+
$10,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.49%
4.74%
4.99%
5.24%
$29.74
$22.91
$18.87
$16.22
Used ATV/Power Sports
$5,000+
$10,000+
$10,000+
Up to 3 Years
4 Years
5 Years
6 Years
4.99%
5.24%
5.49%
5.74%
$29.97
$23.14
$19.10
$16.45
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 ` ** 2.99% $84.69
Debt Consolidation Loan ` ** 6.99% $86.52
PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Signature Line of Credit ` ^ 8.75% N/A
FIXED-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 8.99% N/A
Visa Gold 9.99% N/A
Visa Classic 10.99% N/A
SECURED LOANS APR * Estimated Payment Per $1,000 ^^
Certificate Secured ** 2.00% above certificate dividend rate% N/A
Share Secured Visa Classic ** 10.99% N/A
VARIABLE-RATE CREDIT CARDS APR * Estimated Payment Per $1,000 ^^
Visa Platinum 6.99% N/A
Visa Gold 6.99% N/A
Visa Classic 6.99% N/A
Engage Rewards Visa Signature 12.99% N/A


FIXED RATE
CONFORMING
Up to $453,100 – $679,650 depending on county ^
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year 4.500%
4.625%
4.750%
0.625%
0.125%
0.000%
4.554%
4.636%
4.750%
$5.07
$5.14
$5.22
20 Year 4.250%
4.375%
4.500%
1.000%
0.375%
0.000%
4.366%
4.419%
4.501%
$6.19
$6.26
$6.33
15 Year 4.000%
4.125%
4.250%
0.250%
0.125%
0.000%
4.038%
4.144%
4.251%
$7.40
$7.46
$7.52
JUMBO
Up to $2,000,000
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo N/A
4.375%
4.500%
N/A
1.250%
0.000%
N/A
4.481%
4.500%
N/A
$4.99
$5.07
15 Year Jumbo 4.000%
4.125%
4.250%
1.500%
0.750%
0.000%
4.221%
4.236%
4.250%
$7.40
$7.46
$7.52
ADJUSTABLE RATE
CONFORMING
Up to $453,100 – $679,650 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
3.750%
3.875%
4.000%
0.500%
0.125%
0.000%
4.859%
4.872%
4.907%
$4.63
$4.70
$4.77
$6.11
$6.11
$6.11
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.875%
4.000%
4.125%
0.500%
0.125%
0.000%
4.726%
4.754%
4.802%
$4.70
$4.77
$4.85
$6.36
$6.36
$6.36
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
4.000%
4.125%
4.250%
0.375%
0.125%
0.000%
4.570%
4.625%
4.691%
$4.77
$4.85
$4.92
$6.85
$6.85
$6.85
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
3.625%
3.750%
3.875%
1.000%
0.500%
0.000%
4.856%
4.858%
4.861%
$4.56
$4.63
$4.70
$6.11
$6.11
$6.11
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.625%
3.750%
3.875%
1.250%
0.625%
0.000%
4.671%
4.678%
4.684%
$4.56
$4.63
$4.70
$6.36
$6.36
$6.36
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.750%
3.875%
4.000%
1.500%
0.750%
0.000%
4.510%
4.524%
4.538%
$4.63
$4.70
$4.77
$6.85
$6.85
$6.85
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 5.25%
as low as 4.75%
$8.04
$18.76
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 7.50%
as low as 6.875%
$9.27
$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