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%
SPECIAL SHARE CERTIFICATE ` *** $1,000 Minimum
Dividend Rate APY *
7-Month 1.00% 1.00%
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 1.30% 1.31% 1.25% 1.26% 1.20% 1.21%
12-Month 1.10% 1.11% 1.05% 1.06% 1.00% 1.00%
6-Month 0.80% 0.80% 0.75% 0.75% 0.70% 0.70%
3-Month 0.55% 0.55% 0.50% 0.50% 0.45% 0.45%
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 1.81% 1.83% 1.81% 1.83% 1.81% 1.83%
36-Month Fixed 1.35% 1.36% 1.30% 1.31% 1.25% 1.26%
24-Month Fixed 1.30% 1.31% 1.25% 1.26% 1.20% 1.21%
18-Month Variable 1.71% 1.72% 1.71% 1.72% 1.71% 1.72%
12-Month Fixed 1.10% 1.11% 1.05% 1.06% 1.00% 1.00%
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
1.24%
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
Used Vehicles


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

Up to 2 Years
3 Years
4 Years
5 Years
6 Years
7 Years
8 Years
1.74%
2.74%
2.74%
2.99%
3.24%
3.99%
5.74%
$42.43
$28.97
$22.02
$17.96
$15.30
$13.66
$13.02
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 ^^
Debt Consolidation ` ** 7.99% $86.98
Signature Line of Credit ` ^ 8.00% 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 6.24% N/A
Visa Gold 6.24% N/A
Visa Classic 6.24% N/A
Engage Rewards Visa Signature 12.24% N/A
SPECIAL PERSONAL LOAN OFFER ` APR * Estimated Payment Per $1,000 ^^
Holiday Loan ` ** 2.99% $84.69


FIXED RATE
CONFORMING
Up to $424,100
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^
30 Year 4.000%
4.125%
4.250%
0.875%
0.125%
0.000%
4.129%
4.193%
4.308%
$4.77
$4.85
$4.92
20 Year 3.750%
3.875%
4.000%
0.750%
0.125%
0.000%
3.913%
3.968%
4.079%
$5.93
$5.99
$6.06
15 Year 3.375%
3.500%
3.625%
0.625%
0.250%
0.000%
3.565%
3.636%
3.725%
$7.09
$7.15
$7.21
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
4.527%
4.547%
N/A
$4.99
$5.07
15 Year Jumbo 4.000%
4.125%
4.250%
1.500%
0.750%
0.000%
4.301%
4.317%
4.332%
$7.40
$7.46
$7.52
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
3.500%
3.625%
3.750%
0.375%
0.125%
0.000%
3.845%
3.869%
3.903%
$4.49
$4.56
$4.63
$5.22
$5.22
$5.22
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.500%
3.625%
3.750%
0.625%
0.375%
0.000%
3.820%
3.858%
3.886%
$4.49
$4.56
$4.63
$5.49
$5.49
$5.49
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.500%
3.625%
3.750%
1.125%
0.750%
0.000%
3.803%
3.849%
3.864%
$4.49
$4.56
$4.63
$6.01
$6.01
$6.01
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
3.375%
3.500%
3.625%
1.000%
0.500%
0.000%
3.841%
3.844%
3.848%
$4.42
$4.49
$4.56
$5.22
$5.22
$5.22
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.375%
3.500%
3.625%
1.250%
0.625%
0.000%
3.801%
3.809%
3.816%
$4.42
$4.49
$4.56
$5.49
$5.49
$5.49
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.500%
3.625%
3.750%
1.500%
0.750%
0.000%
3.823%
3.838%
3.853%
$4.49
$4.56
$4.63
$6.01
$6.01
$6.01
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 4.50%
as low as 4.75%
$7.65
$18.76
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 6.75% $8.85
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