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Deposit Rates Loan Rates
Automobile Loans
Product Term in Months Interest Rate / APR Payment per $1,000
New Automobile Up to 60 5.99% $19.33
New Automobile 66 6.49% $18.06
New Automobile 72 6.99% $17.04
Used Automobile Up to 60 5.99% $19.33

Education Loans
Product Applicable Periods Interest Rate / APR Max Interest Rate / APR
Students Federal Stafford Loan -- Subsidized and Unsubsidized In-School, Grace and Deferment periods 6.62%
Students Federal Stafford Loan -- Subsidized and Unsubsidized All other periods 7.22%
Parents Federal (PLUS) Loan All periods 8.02%
Consolidations All periods 8.25%

Home Equity Installment Loans
Product Term in Months Interest Rate / APR Payment per $1000
Up to 80% of appraised value
Home Equity Loan 1 to 60 5.14% $18.94
Home Equity Loan 61 to 120 5.24% $10.72
Home Equity Loan 121 to 180 5.39% $8.11
Home Equity Loan 181 to 240 5.89% $7.10

Home Equity Line of Credit
Product Term in Months Introductory Interest Rate / APR Fully Indexed Interest Rate / APR
Home Equity Line of Credit Revolving 2.24% 4.25%

Lines of Credit
Product Term in Months Introductory Interest Rate/APR Fully Indexed Interest Rate/APR
Personal Line of Credit Revolving 5.99% 7.00%
Overdraft Line of Credit Revolving n/a 7.00%

Mortgage Loans
Product Interest Rate APR Points Payment per $1,000
10-Year Fixed Rate 5.000% 5.000% 0 $10.61
15-Year Fixed Rate 4.875% 5.182% 2 $7.84
15-Year Fixed Rate 5.000% 5.153% 1 $7.91
15-Year Fixed Rate 5.125% 5.125% 0 $7.97
20-Year Fixed Rate 5.500% 5.500% 0 $6.88
30-Year Fixed Rate 5.375% 5.557% 2 $5.60
30-Year Fixed Rate 5.500% 5.591% 1 $5.68
30-Year Fixed Rate 5.625% 5.625% 0 $5.76
1 Year Adjustable Rate 4.375% 4.460% 1 $4.99
1 Year Adjustable Rate 4.500% 4.500% 0 $5.07
First Time Home Buyer Program

Biweekly Mortgage Loans
Product Interest Rate APR Points Payment per $1,000
10-Year Fixed Rate 4.875% 4.875% 0 $10.55
15-Year Fixed Rate 4.750% 5.056% 2 $7.78
15-Year Fixed Rate 4.875% 5.027% 1 $7.84
15-Year Fixed Rate 5.000% 5.000% 0 $7.91
20-Year Fixed Rate 5.375% 5.375% 0 $6.81
30-Year Fixed Rate 5.250% 5.431% 2 $5.52
30-Year Fixed Rate 5.375% 5.466% 1 $5.60
30-Year Fixed Rate 5.500% 5.500% 0 $5.68

Personal Loans
Product Term in Months Interest Rate/APR Payment per $1,000
Secured Installment Loan Up to 60 5.99% $19.33
Unsecured Installment Loan Up to 60 6.54% $19.58
Share Loan Interest Only 3.00%

In & Out Loans
Product Term in Months Interest Rate/APR Payment per $1,000
Unsecured Installment Loan Up to 60 6.79% 19.70
Secured Installment Loan Up to 60 6.29% 19.47

Effective date: 1/7/2009
All rates are subject to change without notice.
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