Rates

• Share & Deposit Rates
• Loan Rates
• Mortgage Rates
• Fee Schedule

Share & Deposit Rates

Share & Deposit Rates
Effective Date: 01/01/2012-03/31/2012
Account Type	Average Daily Balance	Dividend Rate	APY
Regular Share Account	No dividend will be paid if your Average Daily Balance (ADB) is less than $50.00
	$50.00 to $1,999.99	.10%	.11
	$2,000.00 to $9,999.99	.25 %	.26%
	$10,000.00 to $19,999.99	.50%	.51%
	$20,000.00 to $149,000	.75%	.76%
	$150,000 and more	1.25%	1.26
IDA Share Accounts	Entire Balance	1.00%	1.01
IPA Share Accounts (PRENEED) IRA Share Accounts	$20,000.00 or less	.75%	.76%
	$20,000.00 or more	1.25%	1.26%
IRA Share Accounts	$2,000.00 or less	.10%	.11%
	$2,000.00 or $9,999.99 or more	.35%	.36%
	$10,000.00 to $19,999.99	.75%	.76%
	$20,000 or more	1.00%	1.01%
Anticipated dividends subject to change without notice.

YOUR DEPOSITS ARE INSURED TO $250,000 PER ACCOUNT BY AMERICAN SHARE INSURANCE

Anticipated dividends subject to change without notice.
APY = Annual Percentage Yield
This institution is not federally insured. Members' accounts are not insured or guaranteed by any government or government-sponsored agency.

Loan Rates

Secured Managed Risk Loans
Effective Date: 01/01/2012-03/31/2012
New & Used Automobiles, Boats and RV's.
Loan Type	Up to 36 Mos APR as low as	37-60 Mos APR as low as*	61-72 Mos. APR as low as*	73-84 Mos APR as low as*
New Vehicle (2011-12)*	2.99%	3.49%	3.99 %	4.49%
Late Model Used Vehicle (2010-11)	3.49%	3.99%	4.49%	4.99%
Used Vehicle (2008-09)	3.99%	4.49%	4.99%	N/A
Used Vehicle (2006-07)	4.49%	4.99%	N/A	N/A
Used Vehicle (2004-05)	4.99%	5.49%	N/A	N/A
Used Vehicle (2001-03)	5.49%	5.99%	N/A	N/A
CAR LOAN SPECIAL - as low as 2.99% APR
MOTORCYCLE - ADD 1.50% APR
RECREATIONAL VEHICLES - ADD 2% APR

 All loans will receive a 0.25% discount with an automatic payment (periodic payment, ACH payment or payroll payment.)

Bold rate is base rate.
*Loans must exceed $20,000 for 72 month financing.
**Loans must exceed $25,000 for 84 month financing.
Prime rate: 5.25%