RATE| Auto-New 100% Financed | 72 months | as low as 3.49 APR |
| Auto-Used 100% NADA Retail | 60 months (12-11-10) | as low as 3.49 APR |
| | 48 months (09-08-07) | as low as 3.49 APR |
| | 36 months (06 & older) | as low as 3.49 APR |
| Auto - Classic (Appraised value) | 36 months | as low as 3.49 APR |
| **VEHICLE LOAN SPECIAL: BEACON SCORES OF 720+ QUAILIFY FOR A 3.49% RATE | | |
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| MOTORCYCLES - NADA AVERAGE RETAIL | same as auto loans | as low as 7.00 APR |
| RV/BOATS NEW - 80% NADA RETAIL | 72 months | as low as 7.00 APR |
| RV/BOATS USED- 100% NADA RETAIL | 48 months | as low as 7.00 APR |
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| 2ND Mort. ($5000 min., Fees-$500) *80% Appraised Value minus 1st Mortgage | Up to 120 months | as low as 5.99 APR |
| FIXED RATE HELOC (Fees-$500) *80% Appraised Value Minus 1st Mortgage | Up to 84 months with a 2 yr draw period | as low as 5.99 APR |
| ****VHE LOAN TYPE SUSPENDED 3/16/11***** | EXISTING LOANS ONLY | as low as 4.25 APR |
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| Personal / Line of Credit ($7500 maximum) | 36 months | as low as 12.00 APR |
| "THIRD TIER" SIGNATURE LOANS ($5000 max) | | |
| Share Secured | 120 months | 3.25 APR |
| CD Share Secured | based on term of CD | 3 points above CD Rate |
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| ****** Vacation Loan Special Up to $1500 ****** | 12 months | as low as 9.00 APR |
| SPECIAL WILL END 9/30/11 | | |
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| ****** Holiday Loan Special Up to $1500 ******* | 12 months | as low as 9.00 APR |
| AVAILABLE 10/01/11 THROUGH 1/31/12 | | |
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| RATES EFFECTIVE AS OF 01/19/2011 | | |