SAVINGS

Account Type	Minimum Balance* to Earn Dividend	APR**	APY***
Savings	$25.00	.50%	.50%
Christmas Club	$25.00	1.00%	1.00%
IRA Savings	$25.00	1.50%	1.51%
Health Savings Account	$5.00	.50%	.50%
Money Market	$1,000.00	1.00%	1.00%
Regular Checking	$1,000.00	.45%	.45%
Student Checking	$1,000.00	.45%	.45%
Senior Checking	$1,000.00	.45%	.45%

CERTIFICATES OF DEPOSIT ~ Regular and IRA	Minimum Balance to Open Account	APR**	APY***
3 month term	$1,000.00	.748%	.75%
6 month term	$1,000.00	.847%	.85%
12 month term	$1,000.00	.997%	1.00%
24 month term	$1,000.00	1.739%	1.75%

 *Average Daily Balance              **Annual Percentage Rate              *** Annual Percentage Yield

Effective date of rates is August 8, 2010.  Rates are subject to change without notice.

LOANS

The rate and term of the loan is determined by the credit-worthiness of the individual applying for the loan.

TYPE	TERM	Annual Percentage Rate
New Auto & Recreational Vehicle Loans	Up to 84 Months	4.90% to 13.90%
Used Auto & Recreational Vehicle Loans	Up to 84 Months	5.90% to 15.40%
New Cycle & Boats	Up to 72 Months	4.90% to 13.90%
Used Cycle & Boats	Up to 72 Months	5.90% to 14.90%
Other Collateral	Up to 72 Months	7.90% to 14.90%
Personal Loans	Up to 60 Months	10.00% to 18.00%
Share Secured	Up to 120 Months	4.00% on loans over $5,000.00 and  6.00% on loans $5,000.00 and less.  4.00% on loans secured against Money Market account.
CD Secured	Up to 120 Months	2.00% above pledged certificate of deposit
Home Equity Line of Credit Loans (HELOC)	Up to 180 Months	Prime for first 6 months, then 1% above prime.  Variable rate loan.
Visa Platinum		9.9% for purchase, balance transfer & cash advance
MasterCard Gold		10.90% for purchase, balance transfer & cash advance
MasterCard Classic		12.90% for purchase, balance transfer & cash advance

Effective date of rates is June 8, 2010.  Rates are subject to change without notice.