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 + 0.25% 0.25%
$50,000 - $99,999 0.25% 0.25%
$10,000 - $49,999 0.20% 0.20%
$2,500 - $9,999 0.15% 0.15%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 1.98% 2.00% 1.98% 2.00% 1.98% 2.00%
48-Month 1.64% 1.65% 1.59% 1.60% 1.54% 1.55%
36-Month 1.35% 1.36% 1.30% 1.31% 1.25% 1.26%
24-Month 1.20% 1.21% 1.15% 1.16% 1.10% 1.11%
12-Month 0.95% 0.95% 0.90% 0.90% 0.85% 0.85%
6-Month 0.56% 0.56% 0.51% 0.51% 0.46% 0.46%
3-Month 0.36% 0.36% 0.31% 0.31% 0.26% 0.26%
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 1.98% 2.00% 1.98% 2.00% 1.98% 2.00%
48-Month Fixed 1.64% 1.65% 1.59% 1.60% 1.54% 1.55%
36-Month Variable 1.54% 1.55% 1.54% 1.55% 1.54% 1.55%
36-Month Fixed 1.35% 1.36% 1.30% 1.31% 1.25% 1.26%
24-Month Fixed 1.20% 1.21% 1.15% 1.16% 1.10% 1.11%
18-Month Variable 1.37% 1.38% 1.37% 1.38% 1.37% 1.38%
12-Month Fixed 0.95% 0.95% 0.90% 0.90% 0.85% 0.85%
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
0.74%
1.74%
1.74%
1.99%
2.24%
2.99%
4.74%
$41.99
$28.53
$21.58
$17.52
$14.86
$13.21
$12.54
Used Vehicles


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

Up to 2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
8 Years
1.24%
2.24%
2.24%
2.49%
2.74%
3.49%
5.24%
$42.21
$28.75
$21.80
$17.74
$15.08
$13.44
$12.77
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
PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Signature Line of Credit ` ^ 7.75% 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 5.99% N/A
Visa Gold 5.99% N/A
Visa Classic 5.99% N/A
Engage Rewards Visa Signature 11.99% N/A
SPECIAL PERSONAL LOAN OFFER ` APR * Estimated Payment Per $1,000 ^^
Debt Consolidation Loan ` ** 6.99% $86.52
Summer Loan ` ** 2.99% $84.69


FIXED RATE
CONFORMING
Up to $424,100
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^
30 Year 3.625%
3.750%
3.875%
1.375%
0.500%
0.000%
3.795%
3.850%
3.935%
$4.66
$4.69
$4.74
20 Year 3.375%
3.500%
3.625%
1.375%
0.750%
0.000%
3.610%
3.666%
3.708%
$5.86
$5.89
$5.91
15 Year 3.000%
3.125%
3.250%
0.750%
0.125%
0.000%
3.212%
3.248%
3.355%
$7.01
$7.03
$7.08
JUMBO
Up to $2,000,000
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^
30 Year Jumbo N/A
4.000%
4.125%
N/A
1.250%
0.000%
N/A
4.161%
4.184%
N/A
$4.87
$4.88
15 Year Jumbo 3.500%
3.625%
3.750%
1.500%
0.750%
0.000%
3.819%
3.837%
3.853%
$7.31
$7.32
$7.32
ADJUSTABLE RATE
CONFORMING ^^
Up to $424,100
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
2.625%
2.750%
2.875%
1.000%
0.375%
0.000%
3.013%
3.007%
3.021%
$4.02
$4.08
$4.15
$4.19
$4.20
$4.21
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
2.875%
3.000%
3.125%
0.500%
0.250%
0.000%
3.045%
3.083%
3.120%
$4.15
$4.22
$4.28
$4.21
$4.22
$4.23
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.000%
3.125%
3.250%
0.625%
0.375%
0.000%
3.111%
3.167%
3.214%
$4.22
$4.28
$4.35
$4.22
$4.24
$4.26
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
2.750%
2.875%
3.000%
1.000%
0.500%
0.000%
3.055%
3.058%
3.062%
$4.08
$4.15
$4.22
$4.20
$4.21
$4.22
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
2.875%
3.000%
3.125%
1.250%
0.625%
0.000%
3.102%
3.110%
3.118%
$4.15
$4.22
$4.28
$4.21
$4.22
$4.23
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.125%
3.250%
3.375%
1.500%
0.750%
0.000%
3.256%
3.272%
3.288%
$4.28
$4.35
$4.42
$4.24
$4.26
$4.28
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 2.99%
$7.52
17.96
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 6.50% $8.71
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