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 1.70% 1.71% 1.65% 1.66% 1.60% 1.61%
36-Month 1.45% 1.46% 1.40% 1.41% 1.30% 1.31%
24-Month 1.40% 1.41% 1.35% 1.36% 1.25% 1.26%
12-Month 1.20% 1.21% 1.15% 1.16% 1.00% 1.00%
6-Month 0.90% 0.90% 0.85% 0.85% 0.80% 0.80%
3-Month 0.65% 0.65% 0.60% 0.60% 0.55% 0.55%
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 1.70% 1.71% 1.65% 1.66% 1.60% 1.61%
36-Month Variable 2.42% 2.45% 2.42% 2.45% 2.42% 2.45%
36-Month Fixed 1.45% 1.46% 1.40% 1.41% 1.30% 1.31%
24-Month Fixed 1.40% 1.41% 1.35% 1.36% 1.25% 1.26%
18-Month Variable 2.21% 2.23% 2.21% 2.23% 2.21% 2.23%
12-Month Fixed 1.20% 1.21% 1.15% 1.16% 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
1.74%
2.74%
2.74%
2.74%
2.99%
3.49%
5.24%
$42.43
$28.97
$22.02
$17.85
$15.19
$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
2.24%
3.24%
3.24%
3.24%
3.49%
3.99%
5.74%
$42.65
$29.19
$22.24
$18.08
$15.41
$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
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 ` ^ 8.25% 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 6.49% N/A
Visa Gold 6.49% N/A
Visa Classic 6.49% N/A
Engage Rewards Visa Signature 12.49% 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 4.375%
4.500%
4.625%
1.125%
0.375%
0.000%
4.470%
4.532%
4.625%
$4.99
$5.07
$5.14
20 Year 4.125%
4.250%
4.375%
1.125%
0.500%
0.000%
4.255%
4.309%
4.376%
$6.13
$6.19
$6.26
15 Year 3.875%
4.000%
4.125%
0.625%
0.125%
0.000%
3.967%
4.019%
4.126%
$7.33
$7.40
$7.46
JUMBO
Up to $2,000,000
Loan Rates ` Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo N/A
4.125%
4.250%
N/A
1.250%
0.000%
N/A
4.229%
4.250%
N/A
$4.85
$4.92
15 Year Jumbo 3.875%
4.000%
4.125%
1.500%
0.750%
0.000%
4.095%
4.111%
4.125%
$7.33
$7.40
$7.46
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
3.625%
3.750%
3.875%
0.875%
0.375%
0.000%
4.453%
4.456%
4.470%
$4.56
$4.63
$4.70
$5.74
$5.74
$5.74
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.875%
4.000%
4.125%
0.375%
0.125%
0.000%
4.394%
4.432%
4.481%
$4.70
$4.77
$4.85
$6.00
$6.00
$6.00
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
4.000%
4.125%
4.250%
0.500%
0.250%
0.000%
4.347%
4.403%
4.460%
$4.77
$4.85
$4.92
$6.50
$6.50
$6.50
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%
4.374%
4.377%
4.380%
$4.42
$4.49
$4.56
$5.74
$5.74
$5.74
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.500%
3.625%
3.750%
1.250%
0.625%
0.000%
4.291%
4.298%
4.305%
$4.49
$4.56
$4.63
$6.00
$6.00
$6.00
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.625%
3.750%
3.875%
1.500%
0.750%
0.000%
4.200%
4.214%
4.229%
$4.56
$4.63
$4.70
$6.50
$6.50
$6.50
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 4.75%
as low as 4.25%
$7.78
$18.87
Flex Rate Home Equity Line of Credit (up to 90% CLTV)**1
Fixed-Rate Lock Option+(if available)
as low as 7.00%
as low as 6.875%
$8.99
$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