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| LOAN RATE (effective as of March 9, 2009) | |||||
| CREDIT RATING: | A RATING | B RATING | C RATING | D RATING | |
| LOAN TYPE | APR* | APR* | APR* | APR* | |
| New Vehicle | 5.00% | 5.50% | 7.50% | 11.00% | |
| Used Vehicle/1-2 years old | 5.50% | 6.00% | 8.50% | 12.00% | |
| Used Vehicle/3-4 years old | 6.00% | 6.50% | 9.50% | 13.00% | |
| Used Vehicle/5 years and older | 6.50% | 7.00% | 10.50% | 14.00% | |
| New Motorcycle | 6.00% | 6.50% | 8.50% | 12.00% | |
| Used Motorcycle/1-2 years old | 6.50% | 7.00% | 9.50% | 13.00% | |
| Used Motorcycle/3-4 years old | 7.00% | 7.50% | 10.50% | 14.00% | |
| Used Motorcycle/5 years and older | 7.50% | 8.00% | 11.50% | 15.00% | |
| Recreational Vehicles/NEW | 8.00% | 9.00% | 12.00% | 15.00% | |
| Recreational Vehicles/USED | 9.00% | 10.00% | 13.00% | 16.00% | |
| Boats/Motorhomes/NEW/Titled | 7.00% | 8.00% | 12.00% | 14.00% | |
| Boats/Motorhomes/USED/Titled | 8.00% | 9.00% | 13.00% | 15.00% | |
| Unsecured | 8.50% | 9.50% | 12.50% | 16.00% | |
| Heavy Equipment | 10.00% | 11.00% | 12.00% | 13.00% | |
| All of the above loans are closed-end/fixed payment loans | |||||
| Line of Credit ( Open-end; rate subject to change with notice) | 12.00% | 12.00% | 12.00% | 12.00% | |
| SHARE CERTIFICATE RATES[Rates effective as of June 9, 2009] | ||
| Term | Minimum Deposit | APY* |
| 6 months** | $10,000 | 1.00% |
| 6 months** | $5,000 up to $9,999 | 1.00% |
| 6 months** | $2,500 up to $4,999 | 1.00% |
| *APY=ANNUAL PERCENTAGE YIELD **PENALTY WILL BE IMPOSED FOR EARLY WITHDRAWAL SOME RESTRICTIONS APPLY - CALL 315-493-6203 FOR INFO |
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