Rates - As of February 28,2012

Auto Loans

Type of Loan	Term of Loan	APR	Amount Financed
New (Autos & Motorcycles) 2011 – 2012	60 – 72 months	As low as 2.90%	$50,000 100% Financing
Used (Autos & Motorcycles) 2010 - 2011	Up to 48 months	As low as 5.90%	100% Financing
Used (Autos & Motorcycles) 2008 - 2009	Up to 48 months	As low as 6.90%	100% Financing
Used (Autos & Motorcycles) Older Vehicles	Blue Book Loan Value	As low as 9%	N/A
New & Used All Terrain Vehicles 2011 – 2012	Up to 48 months	As low as 8%	80% or 90% Financing
Used (Motor Boats & Boat Trailer)	Up to 48 months	As low as 12%	Depends on Appraisal
New (Travel Trailer, Overhead Camper)	Up to 60 months	As low as 9%	80% of Purchase Price
Used (Travel Trailer, Overhead Camper)	Up to 36 months	As low as 9%	Wholesale Book Value
Motor Homes	N/A	As low as 8%	80% Based on Year & Value
All loans require completed loan application and approved credit. APR is current as of publication date and is subject to change without notice. Some restrictions may apply.

Mobile Home Loans

Type of Loan	Term of Loan	APR	Amount Financed
Mobile Home Purchase	Up to 20 years	As low as 8%	80% of Appraised Value
All loans require completed loan application and approved credit. APR is current as of publication date and is subject to change without notice. Some restrictions may apply.

Real Estate Loans

Type of Loan	Term of Loan	APR	Amount Financed
First Mortgage	Up to 30 years	1.5% Above FFEIC Rate	80% of Appraised Value
All loans require completed loan application and approved credit. APR is current as of publication date and is subject to change without notice. Some restrictions may apply.

Agricultural Loans

Type of Loan	Term of Loan	APR	Amount Financed
Agriculture	Up to 60 months	As low as 5.5%	80% LTV Equipment
Farm Operating	Up to 60 months	As low as 6%	80% LTV Lvstk.
All loans require completed loan application and approved credit. APR is current as of publication date and is subject to change without notice. Some restrictions may apply.

Other Consumer Loans

Type of Loan	Term of Loan	APR	Amount Financed
Signature Loan	Up to 60 months	As low as 10%	Up to $6,000
Savings Secured	Up to 60 months	As low as 3.00%	Share Balance
Certificate Secured	Term of Certificate	2% above rate	Amount of Certificate
Signature/1 Cosigner/Co-maker	Up to 60 months	As low as 10%	$6,000 1 Cosigner/Co-Maker
Signature/2 or more Cosigners/Co-makers	Up to 60 months	As low as 11%	$8,000 2 or more Cosigners
Signature/Cosigner	Up to 30 months	As low as 10%	$1,500 and under
All loans require completed loan application and approved credit. APR is current as of publication date and is subject to change without notice. Some restrictions may apply.

Share Certificates (CDs)

$500 thru $9,999.99

Term	Dividend Rate	APY
3 months	.795%	.796%
6 months	.845%	.847%
12 months	.895%	.898%
24 months	1.19%	1.195%
A minimum deposit of $500 is required to open a share certificate. Penalties apply for early withdrawal and is calculated on the part of the dividends that have or would be earned, and applies whether or not dividends have been earned.

Share Certificates (CDs)

$10,000 thru 24,999.99

Term	Dividend Rate	APY
3 months	.795%	.796%
6 months	.845%	.847%
12 months	.895%	.898%
24 months	1.19%	1.195%
A minimum deposit of $10,000 is required to open a share certificate. Penalties apply for early withdrawal and is calculated on the part of the dividends that have or would be earned, and applies whether or not dividends have been earned.

Share Certificates (CDs)

$25,000 thru $99,999.99

Term	Dividend Rate	APY
3 months	.845%	.847%
6 months	.895%	.898%
12 months	.945%	.948%
24 months	1.24%	1.246%
A minimum deposit of $25,000 is required to open a share certificate. Penalties apply for early withdrawal and is calculated on the part of the dividends that have or would be earned, and applies whether or not dividends have been earned.

Individual Retirement Account (IRAs) – 12 Months Only