Rates

Consumer Loan Rates

Auto Loan Rates

NEW & LATE MODEL USED 6 YEARS OR NEWER

Term	APR* as low as
Up to 24 months	5.49%
Up to 36 months	5.74%
Up to 48 months	5.99%
Up to 60 months	6.24%
Up to 72 months	6.49%
Up to 84 months**	6.74%
**4+ Model Years - Max Mileage 40,000 Max Term for automobiles 5 to 6 years is 72 months Max Mileage for Auto Loans is 150,000

USED AUTO - 7 TO 8 YEARS OLD

USED AUTO - 9 TO 12 YEARS OLD

Home Equity Loan

Name	Term	APR* as low as	LTV^
Home Equity	5 Year Fixed	4.99%	up to 80%
Home Equity	5 - 10 Year Fixed	5.25%	up to 80%
Home Equity	10 - 15 Year Fixed	6.25%	up to 80%
Home Equity BOOST³	5 Year Fixed	6.49%	> than 80%
Home Equity BOOST³	5 - 10 Year Fixed	6.75%	> than 80%
Home Equity BOOST³	10 - 15 Year Fixed	7.75%	> than 80%

Home Equity Line of Credit (HELOC)

Name	Term	APR* as low as	LTV^	Fee
HELOC SPECIAL	1-Year Introductory Rate	4.99%	up to 80%	NO CLOSING COSTS¹
HELOC BOOST¹	1-Year Introductory Rate	6.49%	>80%

Consumer Loans

Product	Term	APR* as low as
Secured Loans	Approximate terms of up to 84 months	Contact us for current rates
Personal Loans	Approximate terms of up to 60 months	9.49% to 17.99% based on Personalized Loan Rates

Recreational Vehicle Loans

Motorcycle Loans

RV/Camper/Boat/Personal Watercraft Loans

ATV and UTV Loans

Tractor and Trailer Loans

Snowmobile Loans

Home Equity Line of Credit (HELOC) BOOST

Deposit Rates

Checking Accounts

Account	Minimum Balance	Dividend Rate	APY
Freedom & Freedom Student Checking(74)	No Minimum Balance	N/A	N/A
Advantage (75)	$100 to open, $400 ADB to earn dividends	.07%	.07%
Prestige 50 (76)	$100 to open, $400 ADB to earn dividends	.07%	.07%

Savings Accounts

Account	Minimum Balance	Dividend Rate	APY
Regular Savings (01)	$5.00 to open account, $100 ADB to earn dividends	.10%	.10%
Holiday Club (11)	$0.00 to open account, $100 ADB to earn dividends	.10%	.10%
Savings Safari Club (03)	$5.00 to open account, $5.00 average daily balance to earn dividends	.10%	.10%
Special Savings (05)	$0.00 to open account, $100 ADB to earn dividends	.10%	.10%
Escrow Savings (06,07)	$0.00 to open account, $100 ADB to earn dividends	.10%	.10%
Take Advantage (77)	$2,500.00	.10%	.10%
IRA Savings (81, 41, 91)	$5.00 to open, $100.00 for dividends	.10%	.10%

Business Accounts

Account	Minimum Balance	Dividend Rate	APY
Business Savings (02)	$5.00 to open, $750.00 ADB to earn dividends	.10%	.10%
Basic Business (70)	$100 Minimum to open	N/A	N/A
Regular Business (71)	$100 to open, $750 ADB to earn dividends	.07%	.07%

Share Certificates

Account	Minimum Balance	Dividend Rate	APY
60-89 Days	$500.00	.50%	.50%
90-179 Days	$500.00	.75%	.75%
180-364 Days	$500.00	3.00%	3.05%
1 yr to less than 2 yrs	$500.00	2.25%	2.28%
2 yrs to less than 3 yrs	$500.00	2.00%	2.02%
3 yrs to less than 4 yrs	$500.00	1.75%	1.77%
4 yrs to less than 5 yrs	$500.00	1.50%	1.51%
5 yrs to less than 10 yrs	$500.00	1.25%	1.26%

IRAs

Account	Minimum Balance	Dividend Rate	APY
1 yr to less than 2 yrs	$200.00	2.25%	2.28%
2 yrs to less than 3 yrs	$200.00	2.00%	2.02%
3 yrs to less than 4 yrs	$200.00	1.75%	1.77%
4 yrs to less than 5yrs	$200.00	1.50%	1.51%
5 yrs to less than 10 yrs	$200.00	1.25%	1.26%