Rates

Consumer Loan Rates

Auto Loan Rates

NEW & LATE MODEL USED 6 YEARS OR NEWER

Term	APR* as low as
Up to 24 months	4.49%
Up to 36 months	4.74%
Up to 48 months	4.99%
Up to 60 months	5.24%
Up to 72 months	5.49%
Up to 84 months**	5.74%
**4+ Model Years - Max Mileage 48,000 Max Term for automobiles 5 to 6 years is 72 months Max Mileage for Auto Loans is 150,000

USED AUTO - 7 TO 8 YEARS OLD

USED AUTO - 9 TO 12 YEARS OLD

Home Equity Loan

Name	Term	APR* as low as	LTV^
Home Equity	5 Year Fixed	4.99%	up to 80%
Home Equity	5 - 10 Year Fixed	5.25%	up to 80%
Home Equity	10 - 15 Year Fixed	6.25%	up to 80%
Home Equity BOOST³	5 Year Fixed	6.49%	> than 80%
Home Equity BOOST³	5 - 10 Year Fixed	6.75%	> than 80%
Home Equity BOOST³	10 - 15 Year Fixed	7.75%	> than 80%

Home Equity Line of Credit (HELOC)

Name	Term	APR* as low as	LTV^	Fee
HELOC SPECIAL	1-Year Introductory Rate	5.99%	up to 80%	NO CLOSING COSTS¹
HELOC BOOST¹	1-Year Introductory Rate	6.49%	>80%

Consumer Loans

Product	Term	APR* as low as
Secured Loans	Approximate terms of up to 84 months	Contact us for current rates
Personal Loans	Approximate terms of up to 60 months	9.49% to 17.99% based on Personalized Loan Rates

Recreational Vehicle Loans

Motorcycle Loans

RV/Camper/Boat/Personal Watercraft Loans

ATV and UTV Loans

Tractor and Trailer Loans

Snowmobile Loans

Home Equity Line of Credit (HELOC) BOOST

Deposit Rates

Checking Accounts

Account	Minimum Balance	Dividend Rate	APY*
Freedom & Freedom Student Checking(74)	No Minimum Balance	N/A	N/A
Advantage (75)	$100 to open, $400 ADB to earn dividends	.07%	.07%
Prestige 50 (76)	$100 to open, $400 ADB to earn dividends	.07%	.07%

Savings Accounts

Account	Minimum Balance	Dividend Rate	APY*
Regular Savings (01)	$5.00 to open account, $100 ADB** to earn dividends	.10%	.10%
Holiday Club (11)	$0.00 to open account, $100 ADB** to earn dividends	.10%	.10%
Savings Safari Club (03)	$5.00 to open account, $5.00 average daily balance to earn dividends	.10%	.10%
Special Savings (05)	$0.00 to open account, $100 ADB** to earn dividends	.10%	.10%
Escrow Savings (06,07)	$0.00 to open account, $100 ADB** to earn dividends	.10%	.10%
Take Advantage (77)	$2,500.00	.10%	.10%
IRA Savings (81, 41, 91)	$5.00 to open, $100.00 for dividends	.10%	.10%

Business Accounts

Account	Minimum Balance	Dividend Rate	APY*
Business Savings (02)	$5.00 to open, $750.00 ADB to earn dividends	.10%	.10%
Basic Business (70)	$100 Minimum to open	N/A	N/A
Regular Business (71)	$100 to open, $750 ADB to earn dividends	.07%	.07%

Share Certificates

Account	Minimum Balance	Dividend Rate	APY*
60-89 Days	$500.00	.50%	.50%
90-179 Days	$500.00	.75%	.75%
180-364 Days	$500.00	3.75%	3.82%
1 yr to less than 2 yrs	$500.00	3.50%	3.56%
18 Months	$500.00	4.00%	4.07%
2 yrs to less than 3 yrs	$500.00	3.25%	3.30%
3 yrs to less than 4 yrs	$500.00	3.00%	3.05%
4 yrs to less than 5 yrs	$500.00	2.75%	2.79%
5 yrs to less than 10 yrs	$500.00	2.50%	2.53%

IRAs

Account	Minimum Balance	Dividend Rate	APY*
1 yr to less than 2 yrs	$200.00	3.50%	3.56%
2 yrs to less than 3 yrs	$200.00	3.25%	3.30%
3 yrs to less than 4 yrs	$200.00	3.00%	3.05%
4 yrs to less than 5yrs	$200.00	2.75%	2.79%
5 yrs to less than 10 yrs	$200.00	2.50%	2.53%