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TYPE	RATE	APY	DESCRIPTION	MIN BALANCE
	.30	.30	REGULAR SHARES (LIFE INSURED)	25.00
	.40	.40	REGULAR SHARES (LIFE UNINSURED)
O	.40	.40	ORGANIZATIONS	25.00
U	.40	.40	UNINSURED SHARES	25.00
B	.40	.40	CHRISTMAS CLUBS
E	.40	.40	ESCROW ACCOUNTS
C	0.50	0.50	6 MONTH CERTIFICATE	1,000.00
C	0.75	0.75	1 YEAR CERTIFICATE	500.00
C	1.09	1.10	2 YEAR CERTIFICATE	500.00
C	1.34	1.35	3 YEAR CERTIFICATE	500.00
C	1.64	1.65	4 YEAR CERTIFICATE	500.00
X	.10	.10	SHARE DRAFTS
I	.40	.40	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 JANUARY 25, 2012
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	3.50% APR
Payment per $1,000 borrowed - $22.36
		36 MO	3.50% APR
Payment per $1,000 borrowed - $29.31
BUSINESS VEHICLES	80% B/V or Sale Price
SHARE SECURED	$15,000.00	144 MO
FIRST MORTGAGES:
FIXED RATE	80% OF	360 MO	5.25% APR
Payment per $1,000 borrowed - $5.53
	APPRAISED VALUE	240 MO	4.75% APR
Payment per $1,000 borrowed - $6.47
		180 MO	4.25% APR
Payment per $1,000 borrowed $7.53
		120 MO	4.00% APR
Payment per $1,000 borrowed - $10.13
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