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 + 0.450% 0.45%
$50,000 - $99,999 0.450% 0.45%
$10,000 - $49,999 0.400% 0.40%
$2,500 - $9,999 0.350% 0.35%
SHARE CERTIFICATES ` *** $100,000 Minimum $40,000 Minimum $1,000 Minimum
Dividend Rate APY * Dividend Rate APY * Dividend Rate APY *
60-Month 1.588% 1.60% 1.539% 1.55% 1.490% 1.50%
48-Month 1.440% 1.45% 1.391% 1.40% 1.342% 1.35%
36-Month 1.342% 1.35% 1.292% 1.30% 1.243% 1.25%
24-Month 1.144% 1.15% 1.094% 1.10% 1.045% 1.05%
12-Month 0.995% 1.00% 0.946% 0.95% 0.896% 0.90%
6-Month 0.698% 0.70% 0.648% 0.65% 0.598% 0.60%
3-Month 0.598% 0.60% 0.549% 0.55% 0.499% 0.50%
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 1.588% 1.60% 1.539% 1.55% 1.490% 1.50%
48-Month Fixed 1.440% 1.45% 1.391% 1.40% 1.342% 1.35%
36-Month Variable 1.310% 1.32% 1.310% 1.32% 1.310% 1.32%
36-Month Fixed 1.342% 1.35% 1.292% 1.30% 1.243% 1.25%
24-Month Fixed 1.144% 1.15% 1.094% 1.10% 1.045% 1.05%
18-Month Variable 1.560% 1.57% 1.560% 1.57% 1.560% 1.57%
12-Month Fixed 0.995% 1.00% 0.946% 0.95% 0.896% 0.90%
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%
3.74%
4.24%
5.99%
$42.43
$29.30
$22.35
$18.19
$15.53
$13.78
$13.14
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%
3.99%
4.49%
6.24%
$42.65
$29.41
$22.46
$18.30
$16.64
$13.90
$13.26
Classic Vehicles `` $15,000 +
$15,000 +
$15,000 +
$25,000 +
Up to 4 Years
5 Years
6 Years
7 Years
5.74%
5.74%
5.99%
6.49%
$23.37
$19.21
$16.57
$14.84
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 ` ^ 9.49% 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 8.99% N/A
Visa Gold 9.24% N/A
Visa Classic 9.49% N/A
Engage Rewards Visa Signature 10.99% N/A


FIXED RATE
CONFORMING
Up to $510,400 to $981,700 depending on county ^
Loan Rates
as low as* `
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year 3.300%
3.400%
3.500%
0.425%
0.225%
0.000%
3.334%
3.418%
3.500%
$4.38
$4.43
$4.49
20 Year 3.175%
3.275%
3.375%
0.550%
0.225%
0.000%
3.237%
3.301%
3.375%
$5.63
$5.68
$5.74
15 Year 2.925%
3.025%
3.125%
0.438%
0.200%
0.000%
2.988%
3.054%
3.126%
$6.87
$6.92
$6.97
JUMBO
Up to $2,000,000
Loan Rates
as low as* `
Loan Points APR * Estimated Payment
Per $1,000 ^^
30 Year Jumbo 3.300%
3.400%
3.500%
2.000%
1.000%
0.000%
3.458%
3.480%
3.500%
$4.38
$4.43
$4.49
15 Year Jumbo 3.175%
3.275%
3.375%
1.200%
0.600%
0.000%
3.348%
3.362%
3.375%
$6.99
$7.04
$7.09
ADJUSTABLE RATE
CONFORMING
Up to $510,400 to $981,700 depending on county ^
Loan Rates
as low as* `
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%
3.075%
3.125%
0.150%
0.100%
0.000%
3.856%
3.861%
3.870%
$4.24
$4.26
$4.28
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.150%
3.200%
3.250%
0.250%
0.100%
0.000%
3.772%
3.783%
3.798%
$4.30
$4.32
$4.35
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.400%
3.450%
3.500%
0.288%
0.100%
0.000%
3.764%
3.779%
3.801%
$4.43
$4.46
$4.49
$6.21
$6.21
$6.21
JUMBO
Up to $2,000,000
Loan Rates
as low as* `
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
2.925%
3.025%
3.125%
0.800%
0.400%
0.000%
3.864%
3.867%
3.870%
$4.18
$4.23
$4.28
$5.43
$5.43
$5.43
7/1
Introductory Period: 84 Months
Adjustable Period: 276 Months
3.050%
3.150%
3.250%
1.000%
0.500%
0.000%
3.786%
3.792%
3.798%
$4.24
$4.30
$4.35
$5.70
$5.70
$5.70
10/1
Introductory Period: 120 Months
Adjustable Period: 240 Months
3.175%
3.275%
3.375%
1.200%
0.600%
0.000%
3.701%
3.713%
3.725%
$4.31
$4.37
$4.42
$6.21
$6.21
$6.21
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