***RATES AND TERMS*** 
***SUBJECT TO CHANGE WITHOUT PRIOR NOTICE***

LOAN RATES & TERMS
EFFECTIVE ~ NOVEMBER 15, 2013
AUTOMOBILES

NEW AUTO (2010 - 2014)
AS LOW AS 2.24% APR  UP TO 36 MONTHS
AS LOW AS 2.65% APR  UP TO 60 MONTHS
AS LOW AS 3.00% APR 72 MONTHS
USED AUTO'S  (1996-2009)
AS LOW AS 3.75% APR UP TO 48 MONTHS 
AS LOW AS 4.00% APR UP TO 60 MONTHS
MOTORCYCLES:

NEW  MOTORCYCLES
AS LOW AS 5.50% 

  USED MOTORCYCLES
AS LOW AS 5.75%

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SHARE SECURED: RATE OF SHARES OFFERED AS SECURITY PLUS  1.25 %

FARM, GARDEN, LAWN EQUIPMENT, AND WATER CRAFT 
(MOTORIZED) 
NEW: AS LOW AS  5.15% APR CURRENT YEAR MODEL - UP TO 60 MONTHS 
USED: AS LOW AS 7.25% APR  UP TO 48 MONTHS 

CAMPERS 
NEW AS LOW AS 7.40% APR 
USED  AS LOW AS 7.50% APR

BORROWER WILL BE CHARGED FILING FEES FOR ALL COLLATERALIZED LOANS.

WE OFFER RATE MATCH

ALL COLLATERALIZED LOANS WILL REQUIRE EITHER A TITLE OR UCC FORM FILED WITH STATE OF BORROWER'S RESIDENCE.

PERSONAL SIGNATURE LOANS AS LOW AS 10.00% 

REAL ESTATE 

 FIXED RATES

 *** 10 YEARS FINANCING ON REAL ESTATE 4.45%APR *** 
                                           *** 15 YEARS FINANCING ON REAL ESTATE 4.55%APR ***
                                           *** 20 YEARS F
INANCING ON REAL ESTATE 4.75%APR ***

HELOC'S (HOME EQUITY LINES) VARIABLE RATE (3 MONTH T-BILL PLUS 5.00%)

MANUFACTURED HOMES WITH REAL ESTATE; SAME AS REAL-ESTATE PLUS 2.60% 10 OR 15 YEARS.

RATES & TERMS OF SHARES

REGULAR SHARES:  .50% QUARTERLY APR
REGULAR IRA ACCOUNTS: 1.00% APR

TERM SHARES:

6 MONTHS .75% APR
1 YEAR  0.85% APR 
 
2 YEAR  1.00% APR  
3 YEAR  1.10% APR
4 YEAR  
NOT AT THIS TIME
5 YEAR  NOT AT THIS TIME
6 YEAR  NOT AT THIS TIME
7 YEAR  
NOT AT THIS TIME

IRA TERM SHARES:

6 MONTHS .75% APR
1 YEAR 0.85% APR

2 YEAR 1.00% APR
3 YEAR 1.10% APR
4 YEAR  NOT AT THIS TIME
5 YEAR  NOT AT THIS TIME
6 YEAR  NOT AT THIS TIME
7 YEAR 
NOT AT THIS TIME

CHRISTMAS CLUB 1.00 APR

* APR - Annual Percentage Rate
  

**RATES SUBJECT TO CHANGE WITHOUT PRIOR NOTICE**