Current Loan Rates

The Board of Directors declared the following loan rates effective February 1, 2012 through February 29, 2012:

Vehicle Loans
Loan Type	Term	Annual Percentage Rate
New and Pre-Owned (2005 & Newer)	Up to 36 Months 37 to 60 Months 61 to 72 Months¹	3.95% 4.45% 6.40%

RV & Boat Loans
Loan Type	Term	Annual Percentage Rate
New and Pre-Owned (2004 & Newer)	Up to 72 Months 73 to 120 Months 121 to 180 Months	9.75% 11.25% 13.75%

Signature Loan
Loan Type	Term	Annual Percentage Rate
Signature Loan ($7,500 Maximum)	Up to 12 Months 13 to 24 Months 25 to 36 Months 37 to 48 Months	8.85% 9.85% 12.85% 14.85%

Sample Auto Loan Payment

$15,000 at 3.95%APR+ for a term of 36 months is $442.53

$15,000 at 4.45%APR+ for a term of 60 months is $279.30

$25,000 at 6.40%APR+ for a term of 72 months is $419.06

Sample Personal Loan Payment

$500 at 8.85%APR+ for a term of 12 months is $43.69

$500 at 9.85%APR+ for a term of 24 months is $23.40

$500 at 12.85%APR+ for a term of 36 months is $16.81

$500 at 14.85%APR+ for a term of 48 months is $13.88

Sample Motorcycle Loan Payment

$10,000 at 8.50%APR+ for a term of 36 months is $315.68

$10,000 at 9.00%APR+ for a term of 60 months is $207.58

Sample Boat & Recreation Vehicle Loan Payment:

$50,000 at 9.75%APR+ for a term of 72 months is $920.00

$50,000 at 11.75%APR+ for a term of 120 months is $695.84

$50,000 at 13.75%APR+ for a term of 180 months is $657.49

Sample Computer Loan Payment:

$1,000 at 8.85%APR+ for 18 months is $59.53

Sample Personal Line of Credit Loan Payment:

Maximum draw of $500 at 11.50%APR+ for a term of 48 months is $13.40

Sample Immediate Need Loan Payment

$750 at 14.00%APR+ for 6 months is $130.15

+ Annual Percentage Rate

¹ 61-72 Month Vehicle Loan available for New Vehicle Loans over $25,000

Interest Rates & Interest Charges - Visa Credit Cards
	Classic & Credit Builder	Gold	Gold Lite
Annual Percentage Rate (APR for Purchases)	13.50%	12.50%	9.90%
APR for Balance Transfers	13.50%	12.50%	9.90%
APR for Cash Advances	13.50%	12.50%	9.90%
Penalty Rate and When it Applies	There is no penalty rate.
How to Avoid Paying Interest on Purchases	Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.
Minimum Interest Charge	There is no minimum interest charge.
For Credit Card Tips from the Federal Reserve Board	To learn more about factors to consider when applying for or using a credit card, visit the website of the Federal Reserve Board at http://www.federalreserve.gov/creditcard.
Fees
Annual Fee	None
Transaction Fees Balance Transfer Cash Advance Foreign Transaction	None None 1% of each transaction in U.S. dollars
Penalty Fees Late Payment Over-the-Credit-Limit Returned Payment	3% of payment due or $5.00 whichever is greater None $15
Other Fees	None
How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases).*

13.50%