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TYPE	RATE	APY	DESCRIPTION	MIN BALANCE
	.60	.60	REGULAR SHARES (LIFE INSURED)	25.00
	.85	.85	REGULAR SHARES (LIFE UNINSURED)
O	.85	.85	ORGANIZATIONS	25.00
U	.85	.85	UNINSURED SHARES	25.00
B	.85	.85	CHRISTMAS CLUBS
E	.85	.85	ESCROW ACCOUNTS
C	0.75	0.75	6 MONTH CERTIFICATE	1,000.00
C	1.24	1.25	1 YEAR CERTIFICATE	500.00
C	1.74	1.75	2 YEAR CERTIFICATE	500.00
C	2.23	2.25	3 YEAR CERTIFICATE	500.00
C	2.47	2.50	4 YEAR CERTIFICATE	500.00
X	.10	.10	SHARE DRAFTS
I	.85	.85	IRA DEPOSIT ACCTS	25.00
J			IRA CERTIFICATES-SAME AS TYPE C TERMS ABOVE- MINIMUM 1 YEAR TERM	500.00
	APY = ANNUAL PERCENTAGE YIELD

LOAN RATES AS JULY 28, 2010
LOAN RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE

UNSECURED LOAN
One signature	$5,000.00	36 MO	8.99% APR
Two signatures	$10,000.00	36 MO	8.99% APR
Payment per $1,000 Borrowed - $31.81
AUTO LOANS
USED		48 MO	5.50% APR
Payment per $1,000 borrowed - $23.26
		36 MO	5.25% APR
Payment per $1,000 borrowed - $30.08
BUSINESS VEHICLES	80% B/V or Sale Price
SHARE SECURED	$15,000.00	144 MO
FIRST MORTGAGES:
FIXED RATE	80% OF	360 MO	5.75% APR
Payment per $1,000 borrowed - $5.84
	APPRAISED VALUE	240 MO	5.50% APR
Payment per $1,000 borrowed - $6.88
		180 MO	5.00% APR
Payment per $1,000 borrowed $7.91
		120 MO	4.75% APR
Payment per $1,000 borrowed - $10.49
ADJUSTABLE	CALL FOR RATES
BUSINESS RELATED MORTGAGES
INCLUDES BUSINESS PROPERTY. RENTAL PROPERTY OWNER OCCUPIED RENTAL NON-OWNER OCCUPIED CALL C.U. FOR RATES
SECOND MORTGAGES AND EQUITY LOANS (FIXED) CALL FOR RATES
APR = ANNUAL PERCENTAGE RATE