Loan/Visa Rates

Mortgage and Home Equity Loans	Other Loans
Vehicle Loans	Visa Credit Cards

Rates effective as of November 30, 2007. Rates subject to change without notice.

Mortgage and Home Equity Loans

Type of Account	Term	Annual Percentage Rate
Mortgage	30 Year Fixed Rate	Call For Current Rate
Mortgage	20 Year Fixed Rate	Call For Current Rate
Mortgage	15 Year Fixed Rate	Call For Current Rate
Mortgage	1/1 Variable Rate	Call For Current Rate
Mortgage	5/1 Variable Rate	Call For Current Rate
Mortgage	7/1 Variable Rate	Call For Current Rate
Home Equity	Up to 84 Months Fixed	Call For Current Rate
Home Equity Line of Credit	15 Year Variable Rate	Call For Current Rate

Vehicle Loans

Type of Loan	Amount Financed	Term	Annual Percentage Rate^
New Cars	Under $20,000	Up to 60 Months	4.90% to 9.40%
New Cars	$20,001 to $25,000	Up to 72 Months	5.90% to 9.40%
New Cars	Over $25,000	Up to 84 Months	5.90% to 9.40%
New car loans up to 100% of M.S.R.P. plus sales tax.
Used Cars - 1 to 4 Years Old		Up to 60 Months	5.50% to 9.00%
Used Cars - 5 Years Old		Up to 48 Months	5.50% to 9.00%
Used Cars - 6 to 8 Years Old		Up to 36 Months	5.50% to 9.00%
Used car loans up to 100% of Redbook value.
Boats - 1 to 4 Years Old		Up to 60 Months	5.50% to 9.00%
Boats - 5 Years Old		Up to 48 Months	5.50% to 9.00%
Boats - 6 to 8 Years Old		Up to 36 Months	5.50% to 9.00%
New boat loans up to 100% of M.S.R.P. plus sales tax. Used boat loans up to 100% of Redbook value.
RVs - 1 to 4 Years Old		Up to 60 Months	5.50% to 9.00%
RVs - 5 Years Old		Up to 48 Months	5.50% to 9.00%
RVs - 6 to 8 Years Old		Up to 36 Months	5.50% to 9.00%
New RV loans up to 100% of M.S.R.P. plus sales tax. Used RV loans up to 100% of Redbook value.
Motorcycles - 1 to 4 Years Old		Up to 60 Months	5.50% to 9.00%
Motorcycles - 5 Years Old		Up to 48 Months	5.50% to 9.00%
Motorcycles - 6 to 8 Years Old		Up to 36 Months	5.50% to 9.00%
New motorcycle loans up to 75% of M.S.R.P. and sales tax. Used motorcycle loans up to 75% of Redbook value.

Other Loans

Type of Account	Term	Annual Percentage Rate^
Uniquick Loans	Easy, Speady & Convenient way of Borrowing
Vacation Loans	9 Month Fixed Rate	Call For Current Rate
Santa Loans	9 Month Fixed Rate	Call For Current Rate
Savings Secured Loans	Up to 60 Months	6.50% to 10.00%
Certificate Secured Loans	Up to Maturity of CD	2.50% Above CD Rate
Signature Personal Loans	Up to 60 Months	12.90% to 16.40%
Overdraft Check Protection Loans	Revolving Term	15.00%
^Annual Percentage Rate is determined by credit qualifications

Visa Credit Cards

Type of Account	Term	Annual Fee	Annual Percentage Rate
Visa Classic	Revolving	None	12.80%
Visa Gold	Revolving	None	11.80%