Rates

Rates Chart

Share Accounts
Balance Rate APY
Power Shares 0.50% 0.50%
Christmas Club 0.50% 0.50%
Life/Other Shares 0.00% 0.00%
Escrow 0.50% 0.50%
Secondary Shares 0.50% 0.50%
IRA Shares 0.85% 0.85%
APY = Annual Percentage Yield

The dividend rates and Annual Percentage Yield (APY) are subject to change, without notice. Savings account earnings could be reduced if fees are added.

Rates Effective 3/20/08

Share Draft Accounts
Balance Rate APY
Share Draft Checking 0.00% 0.00%
APY = Annual Percentage Yield

All rates are subject to change without notice.

Rates Effective 3/20/08

Money Market Accounts
Balance Rate APY
$1000 - $19,999 1.49% 1.50%
$20,000 - $49,999 1.59% 1.60%
$50,000 + 2.42% 2.45%
APY = Annual Percentage Yield

The dividend rate and Annual Percentage Yield (APY) are subject to change, without notice, at anytime. After the point of issuance dividend rates and Annual Percentage Yield (APY) are fixed.

Early withdrawal penalties apply. Money Market earnings could be reduced if fees are added.

Rates Effective 5/21/08

Tiered Share Certificates
Terms in Months Minimum Balance Tier 1: $500 - $9,999.99
Dividend Rate 		APY Tier 2: $10,000 - $49,999.99
Dividend Rate 		APY
3 Month $500 2.13% 2.15% 2.33% 2.35%
6 Month $500 2.48% 2.50% 2.72% 2.75%
1 Year $500 2.62% 2.65% 2.87% 2.90%
2 Year $1000 2.77% 2.80% 3.02% 3.05%
3 Year $1000 3.02% 3.05% 3.11% 3.15%
4 Year $1000 3.11% 3.15% 3.26% 3.30%
5 Year $1000 3.21% 3.25% 3.36% 3.40%
Terms in Months Minimum Balance Tier 3: $50,000 - $99,999.99
Dividend Rate 		APY Tier 4: $100,000+
Dividend Rate 		APY
3 Month $500 2.82% 2.85% 2.97% 3.00%
6 Month $500 2.92% 2.95% 3.11% 3.15%
1 Year $500 3.02% 3.05% 3.16% 3.20%
2 Year $1000 3.16% 3.20% 3.31% 3.35%
3 Year $1000 3.31% 3.35% 3.45% 3.49%
4 Year $1000 3.41% 3.45% 3.60% 3.65%
5 Year $1000 3.50% 3.55% 3.84% 3.90%
APR = Annual Percentage Rate

Share Certificates can be set up to auto renew.  Promotional Certificates can not be auto renewable.  Early withdrawal penalties apply.

This is a tiered account and the rate for each tier will apply only to one particular deposit balance range. Dividend Rates and Annual Percentage Yields (APY) are subject to change, without notice, at anytime prior to the issuance of the certificate. Early withdrawal penalties apply. Certificate earnings could be reduced if fees are added.

Rates Effective 5/21/2008

Loan Rates
Balance Rate APR
Signature 10.24% 10.24%
Secured up to 24 Months 4.99% 4.99%
Secured up to 36 Months 5.24% 5.24%
Secured up to 48 Months 5.49% 5.49%
Secured up to 60 Months 5.74% 5.74%
Secured up to 72 Months 5.99% 5.99%
Secured up to 84 Months 7.24% 7.24%
Overdraft Protection 18% 18%
VISA Credit Card 10.15% 10.15%
Home Equity Line of Credit (HELCO) 80% LTV 5.25%* 5.25%*
APR = Annual Percentage Rate

LTV = Loan to Value

*Term not to exceed 180 months. Not to exceed 85% of appraisal or tax certificate.

A paper loan terms may extend beyond 84 months with 25 basis points added for each additional year. Vehicles 96-03 add 1% to the above rates.

Secured Loans are secured by a title. With Approved Credit. Rates may vary. Based upon past credit history.

All rates are subject to change without notice.

Rates Effective 3/20/08

Power Xtreme Card Recreational Rates
Paper Grade A+ A B C D E
Credit Bureau Score 750+ 749-680 679-650 649-620 619-590 589>
Fixed Rates
24 Month 7.99% 8.24% 9.99% 11.49% 15.49% 19.99%
36 Month 8.24% 8.49% 10.24% 11.74% 15.74% 20.24%
48 Month 8.49% 8.74% 10.49% 11.99% 15.99% 20.49%
60 Month 8.74% 8.99% 10.74% 12.24% 16.24% w/ao
72 Month 8.99% 10.99% 12.24% w/ao

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