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Loan Type Max. Loan Amont Rate Term Collateral
         
Co_Maker $15,000 10.00% 36 Months (3Yrs) Qualified member co-maker required
         
Automobiles and 80-100% of purchase price 2.00% 24 Months (2Yrs) Title of Vehicle
Truck-New (excluding taxes and tags) 2.00% 36 Months (3Yrs) Title of Vehicle
    2.00% 48 Months (4Yrs) Title of Vehicle
    2.00% 60 Months (5Yrs) Title of Vehicle
         
Refinance or used auto 80%-100% of low blue book 4.00% 48 Months (4Yrs) Title of Vehicle
         
Home Equity Owner Occupied 6.00% 18/360 Months Lien on Property
         
First Mortgage Owner Occupied 5.00% 18/360 Months Lien on Property
         
First Mortgage Non-Owner Occupied TBD TBD Lien on Property
         
Share-Pladge 1% Above highest Divident Rate Member's Pladge/Deposit
         
         
  1st Quarter Dividend of 2011 Rate APY  
         
  Under $500.00 0% 0  
  $500.00 to 4999,00 0.25% 0.25%  
  $4,999.01 to 9,999.00 0.50% 0.501%  
  From $9,999.01 0.75% 0.753%  
         
  Regula IRA 0.75% 0.753%  
         
**80% of Purchas price       3/9/2011