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 2.521% 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%
LIQUID SHARE CERTIFICATE *** $5,000 Minimum $500 Minimum
Dividend Rate APY * Dividend Rate APY *
19-Month 2.23% 2.25% 1.98% 2.00%
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 1.780% 1.79% 1.780% 1.79% 1.780% 1.79%
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 2.150% 2.17% 2.150% 2.17% 2.150% 2.17%
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
PERSONAL LOANS ` APR * Estimated Payment Per $1,000 ^^
Debt Consolidation ` ** 8.74% $87.33
Signature Line of Credit ` ^ 8.99% N/A
SECURED LOANS APR * Estimated Payment Per $1,000 ^^
Certificate Secured ** 2.00% above certificate dividend rate% N/A
Share Secured Visa Classic ** 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 8.49% N/A
Visa Gold 8.74% N/A
Visa Classic 8.99% N/A
Engage Rewards Visa Signature 12.99% 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 3.425%
3.525%
3.625%
0.475%
0.325%
0.000%
3.463%
3.552%
3.625%
$4.45
$4.50
$4.56
20 Year 3.050%
3.150%
3.250%
0.863%
0.475%
0.000%
3.146%
3.203%
3.250%
$5.57
$5.62
$5.67
15 Year 2.800%
2.900%
3.000%
0.863%
0.375%
0.000%
2.924%
2.954%
3.001%
$6.81
$6.86
$6.91
JUMBO
Up to $2,000,000
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 3.050%
3.150%
3.250%
2.000%
1.000%
0.000%
3.206%
3.229%
3.250%
$4.24
$4.30
$4.35
15 Year Jumbo 2.675%
2.775%
2.875%
1.200%
0.600%
0.000%
2.846%
2.861%
2.875%
$6.75
$6.80
$6.85
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
3.050%
3.150%
3.250%
0.388%
0.188%
0.000%
4.172%
4.190%
4.210%
$4.24
$4.30
$4.35
$5.70
$5.70
$5.70
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.175%
3.275%
3.375%
0.488%
0.213%
0.000%
4.047%
4.071%
4.100%
$4.31
$4.37
$4.42
$5.96
$5.96
$5.96
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.175%
3.275%
3.375%
0.663%
0.300%
0.000%
3.837%
3.868%
3.904%
$4.31
$4.37
$4.42
$6.46
$6.46
$6.46
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
2.550%
2.650%
2.750%
0.800%
0.400%
0.000%
4.031%
4.033%
4.036%
$3.98
$4.03
$4.08
$5.70
$5.70
$5.70
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
2.675%
2.775%
2.875%
1.000%
0.500%
0.000%
3.860%
3.866%
3.871%
$4.04
$4.10
$4.15
$5.96
$5.96
$5.96
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
2.425%
2.525%
2.625%
1.200%
0.600%
0.000%
3.436%
3.448%
3.461%
$3.91
$3.96
$4.02
$6.46
$6.46
$6.46
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