Effective: January 31, 2012 Certificates of Deposit Interest Rates Term Rate APY*** 30 days under 100M 0.20% 0.200% 90 days under 100M 0.25% 0.250% 180 days under 100M 0.28% 0.280% 1-2 years under 100M 0.45% 0.450% 2-3 years under 100M 0.80% 0.800% 30 days over 100M 0.25% 0.250% 90 days over 100M 0.30% 0.300% 180 days over 100M 0.35% 0.350% 1-2 years over 100M 0.50% 0.500% 2-3 years over 100M 0.90% 0.900% Minimum $1000.00 to open     Effective: January 31, 2012 Deposit Interest Rates Amount Rate APY*** Money Market Checking   $1 - $2,499.99 0.020% 0.020% $2,500 + 0.030% 0.030%       Commercial Money Management   $1 - $4,999.99 0.020% 0.020% $5,000 + 0.040% 0.040%       Super Checking   $1 - $999.99 0% 0% $1,000 + 0.020% 0.020%       Personal Bonus   $1 - $4,999.99 0.020% 0.020% $5,000 + 0.020% 0.020%       Personal Savings   $1 + 0.030% 0.030%       Commercial Savings   $1 + 0.030% 0.030%       Treasury Money Market   $1 - $4,999.99 0.020% 0.020% $5,000 - $49,999.99 0.030% 0.030% $50,000 - $99,999.99 0.040% 0.040% $100,000.00 + 0.050% 0.050%       Effective: January 31, 2012 Loan Interest Rates Term APR** Automobile Loans Current Model Year (2011/2012)   36 months 4.49%   42 months 4.49%   48 months 4.49%   60 months 4.49%   72 months 4.99%   Used 1st Model Year (2010) 60 months 4.49% 2nd Model Year (2009) 48 months 4.75% 3rd Model Year (2008) 42 months 5.49% 4th Model Year (2007) 36 months 5.99% 5th Model Year (2006) 30 months 6.25%   Personal Loans   Up to 12 Months 14.00%   Over 12 Months 16.00%   Boats & Campers New Up to 60 Months 7.49% Used Up to 60 Months 7.99%   Home Equity   Up to 60 Months 5.99%   61-120 Months 6.99%   Home Improvement   36 months 5.99%   48 months 5.99%   60 months 5.99%   120 months 6.99%   **APR = Annual Percentage Rate *** APY = Annual Percentage Yield