Dividends
	APR*	APY**
Shares	.40%	.40%
Share Draft	.15%	.15%
IRA	1.70%	1.71%
Xmas Club	1.75%	1.75%
Escrow/Funeral/Casket/Vault Trusts	.40%	.40%
Rates Effective May 1, 2010  APR* - Annual Percentage Rate APY** - Annual Percentage Yield

Automobile Loan Rates
10/09/08/07/06    New Money Only    Effective 3/17/2010
2010-2009 Only - 0% Down	3.50% to 48 Mos., 3.95% to 60 Mos.
20% Down	3.50% to 48 Months
20% Down	3.95% to 60 Months
05/04/03
20% Down	5.40% to 36 months
20% Down	5.70% to 60 months
02/01/00
20% Down	6.75% to 36 Months
APR Examples 4.95% - 48 mo. payments $23.01 per $1000 borrowed 5.15% - 60 mo. payments $18.95 per $1000 borrowed 5.50% - 60 mo. payments $19.11 per $1000 borrowed 5.70% - 60 mo. payments $19.20 per $1000 borrowed

Boat, RV, Motorcycle, Snowmobile Loan Rates
New Boats
10/09/08/07/06    New Money Only    Effective 3/17/2010
2010-2009 Only - 0% Down	3.50% to 48 Mos., 3.95% to 60 Mos.
20% Down	3.50% to 48 Months
20% Down	3.95% to 60 Months
05/04/03
20% Down	5.40% to 36 Months
20% Down	5.70% to 60 Months
02/01/00
20% Down	6.75% to 36 Months
Rates available on self-contained motor homes for 6 and 7 year terms

Home Equity - Closed End
6.00% (Guaranteed for 2 yrs)    Effective 4/20/2010
Up to $10,000.00	5 Year Maximum Term
$10,001.00 - $20,000.00	10 Year Maximum Term
$20,001.00 - $40,000.00	15 Year Maximum Term

Real Estate, Homestead          Effective 7/27/2010
*First mortgage loans to 30 years	Minimum of 20% down	4.85%
Fixed rate first mortgage loans to 10 years	Minimum of 40% down	4.25%
Fixed rate first mortgage loans to 20 years	Minimum of 20% down	5.00%
Includes mobile home permanently secured on your property. *The loan rate is guaranteed for 5 years. No points and no prepayment penalties.

Personal & Other
Shared Secured	3.25% to 60 Months
Kwik Cash, Signature	12.00%
All rates are reviewed monthly and subject to change without prior notice. Contact us and we'll be happy to help you.

Vacation Loan Rates
$1,000 Signature Loan
One per family	8.00% to 12 Months