SHARE RATES
| Cash Amount | Dividend Rate | APY |
| $.01 - $25,000 | .10 | .10 |
| $25,001 - $50,000 | .10 | .10 |
| $50,001 - $75,000 | .10 | .10 |
| $75,001 - $100,000 | .10 | .10 |
| $100,001 & up | .10 | .10 |
CHRISTMAS CLUB
| Dividend Rate | APY |
| .25 | .25 |
IRA'S
| Dividend Rate | APY |
| .25 | .25 |
MONEY MARKET
| Dividend Rate | APY |
| .15 | .15 |
An average daily balance of $5,000 is required to earn this dividend rate.
LOAN RATES
NEW AUTO APR'S
| Term | Min Loan Amount | Tier 1 (740 & up) |
Tier 2 (670-739) |
Tier 3 (600-669) |
Tier 4 (520-599) |
| 36 | $5,000 | 3.0 | 4.00 | 6.25 | 8.50 |
| 48 | $5,000 | 3.0 | 4.00 | 6.25 | 8.50 |
| 60 | $5,000 | 3.0 | 4.00 | 6.25 | 8.50 |
| 72 | $20,000 | 3.0 | 4.00 | 6.25 | N/A |
| 84 | $30,000 | 3.0 | 4.00 | 6.25 | N/A |
USED AUTO APR'S
| Term | Min Loan Amount | Tier 1 (740 & up) |
Tier 2 (670-739) |
Tier 3 (600-669) |
Tier 4 (520-599) |
| 36 | $5,000 | 4.25 | 4.90 | 6.50 | 9.50 |
| 48 | $5,000 | 4.25 | 4.90 | 6.50 | 9.50 |
| 60 | $5,000 | 4.25 | 4.90 | 6.50 | 9.50 |
| 72 | $20,000 | 4.25 | 4.90 | 6.50 | N/A |
| 84 | $30,000 | 4.25 | 4.90 | N/A | N/A |
NON-AUTOMOBILE APR'S
| Loan Type | Term | Tier 1 (740 & up) |
Tier 2 (670-739) |
Tier 3 (600-669) |
Tier 4 (520-599) |
| Other Secured | Up to 72 | 7.00 | 8.00 | 9.00 | 10.00 |
| Share Secured | N/A | 6.00 | 6.00 | 6.00 | 6.00 |
| Overdraft Protection | 12 Mo s | 11.25 | 12.25 | 13.25 | 15.99 |
| Line of Credit (LOC) | Up to 48 | 11.25 | 12.25 | 13.25 | N/A |
| Personal, 90 Day | Up to 48 | 11.25 | 12.25 | 13.25 | 15.99 |
MAXIMUM CREDIT LIMITS
| Maximum Unsecured/CC Credit | Tier 1 (740 & up) |
Tier 2 (670-739) |
Tier 3 (600-669) |
Tier 4 (520-599) |
| Personal, 90 Day, Holiday, Vacation | $10,000 | $7,000 | $5,000 | $2,000 |
| Line of Credit (LOC) | $10,000 | $7,000 | $5,000 | N/A |
VISA GOLD CARD APR'S
| VISA Gold Card | Tier 1 (800 & up) |
Tier 2 (670-739) |
Tier 3 (600-669) |
Tier 4 (520-599) |
| VISA Gold Card (Purch. & Cash Adv.) | 9.90 | 10.90 | 12.90 | N/A |
MAXIMUM CREDIT LIMITS
| Maximum Unsecured/CC Credit | Tier 1 (800 & up) |
Tier 2 (670-739) |
Tier 3 (600-669) |
Tier 4 (520-599) |
| VISA Gold Card | $10,000 | $7,000 | $5,000 | N/A |
