Last Update: July 22,  2008
Rates subject to change without notice

TERMS & CONDITIONS
1 Annual Percentage Rate. Lowest APR available with qualifying credit and loan term. 
2 Additional rate reductions may be available, up to a maximum of 1.00%.
 60 month financing available for loans greater than $10,000 
72 month financing available for loans greater than $20,000
84 month financing available for loans greater than $35,000
Boat & motorcycle rate based on 100% financing. For 80% financing, subtract 1.00% APR.
3 Rate is as low as Prime+0%. The initial rate is tied to the Prime rate as published in the Wall Street Journal. However, when prime rate is below 5.75%, the lowest rate available is 5.75%. The rate is variable and may change at annually on the anniversary of your line of credit. Your rate may vary from that shown above and is based on creditworthiness. As of 7/1/2008, the prime rate is 5.25%.This is a variable rate line of credit and as such, the rate may change over the life of the line. Consult us for details. The maximum APR on this loan is 6% above the entry rate or 18%, whichever is lower. Equity based on 80% of assessed value less first mortgage balance. Subject to credit approval. Minimum line $5,000.00. Maximum line $100,000.00. Member must maintain homeowner's insurance at own expense.

^{TERMS & CONDITIONS}
1 Annual Percentage Yield       2 Annual Percentage Rate
Early withdrawal may reduce earnings.
The APY is accurate as of 7/22/2008.