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Loans| Savings

RATES SUBJECT TO CHANGE

Loans (APR's based on credit score)	RATE RANGE	MAX TERM
NEW VEHICLES, BOATS, CAMPERS, RV's Effective 4/01/2008	5.00% - 14.00%	84	Calculator
USED VEHICLES, BOATS, CAMPERS, RV's Effective 4/01/2008	5.75% - 14.50%	60	Calculator
FURNITURE, APPLIANCES, FARM EQUIPMENT, COMPUTERS OR OTHER EQUIP. (any collateral that is eligible for UCC-1 filing) Effective 4/01/2008	6.50% - 15.25%	60	Calculator
SIGNATURE/CO-SIGNER Effective 2/01/2008	10.75% - 18.00%	60	Calculator
1ST MTG. TRUST DEED (BALLOON 5-YEAR FIXED) Effective 4/01/2008	6.00% - 14.50%	360	Calculator
2ND MTG. TRUST DEED (Adjustable rate) Effective 04/01/2008	5.75%- 14.75%	180	Calculator
2nd MTG. TRUST DEED (BALLOON 5-YEAR FIXED) Effective 4/01/2008	6.75% - 15.25%	60	Calculator
			Calculator

APR=ANNUAL PERCENTAGE RATE
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Savings	Dividend Rate	APY*	Term
REGULAR SHARES (Minimum to open acct. $25.00)	1.250	1.260	n/a
SPECIAL SHARES (Minimum to open acct. $2,500.00)	1.500	1.510	n/a
IRA'S (Minimum to open acct. $50.00)	1.750	1.760	n/a
IRA'S (Minimum balance $10,000.)	2.950	2.980	n/a
CHRISTMAS CLUB	1.250	1.260	n/a

*APY = Annual Percentage Yield

Certificates of Deposit
Dividend

Rate

APY*

Term

6 Month CD (Minimum to open acct. $5,000.00)
3.190
3.230
6 mo.

12 Month CD (Minimum to open acct. $5,000.00)
3.350
3.390
12 mo.

18 Month CD (Minimum to open acct. $5,000.00)
3.740
3.800
18 mo.

24 Month CD (Minimum to open acct. $10,000.00)
3.690
3.740
24 mo.

12 Month IRA CD (Minimum to open acct. $5,000.00)
3.350
3.390
12 mo.

24 Month IRA CD (Minimum to open acct. $10,000.00)
3.690
3.740
24 mo.