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Loan Rates - effective May 1, 2009

Purpose of Loan	Loan Term	Annual Percentage Rate (*)
New Vehicle	Up to 72 months	as low as 5.00%
Used Vehicle	Up to 60 months	as low as 5.00%
New Boat, Travel Trailer, Camper over $30,000	Up to 120 months	as low as 5.50%
New Boat, Travel Trailer, Camper under $30,000	Up to 72 months	as low as 5.50%
Used Boat	Up to 60 months	as low as 5.50%
New Motorcycle	Up to 60 months	as low as 5.50%
Signature Loan	Up to 36 months	as low as 8.50%
Bill Consolidation Loan	Up to 36 months	as low as 8.50%
Share Secured	Up to 36 months	Index () + 3.00%*
Share Secured	Over 36 months	Index () + 4.00%*
Overdraft Protection (in $50 increments)		17.00%
Certificate Secured		Index () + 4.00%**

(*) A note about your Annual Percentage Rate (APR)

Your specific Annual Percentage Rate (APR) will be determined by your qualifications and credit history at the time you request your loan, and will be disclosed at the time of the loan advance.

(**) Certificate-Secured Loans
The Annual Percentage Rate (APR) will be the dividend rate being paid on the certificate offered as security (index) plus 4.00% (ex. 4.00% + 4.00% = 8.00%). The certificate must be renewed until the the advance is completely paid.

(***) Share Secured Loans

The Annual Percentage Rate (APR) will be the Dividend Rate currently being paid on regular shares (Index) plus 3.00% up to 36 Months or (Index) plus 4.00% over 36 Months. Regular shares are pledged until loan is paid in full.