CURRENT RATES

Click here for all rates - effective as of 1/11/2012

Certificate Rates

Account Type

Minimum
to Open

Dividend Rate

APY

IRA Dividend Rate

IRA APY
 6-11 Month $500 .30% .30% .30% .30%
12-17 Month $500 .50% .50% .50% .50%
18-23 Month $500 .55% .55% .55% .55%
24-35 Month $500 .85% .85% .85% .85%
36-47 Month $500 1.09% 1.10% 1.09% 1.10%
48-59 Month $500 1.38% 1.40% 1.38% 1.40%
60-71 Month $500 1.78% 1.80% 1.78% 1.80%
72+ Month $500 2.03% 2.05% 2.03% 2.05%
Smart Growth Certificates

Account Type

Minimum to Open

Dividend Rate

APY
36 Month $100 1.69% 1.70%
60 Month $100 2.03% 2.05%
84 Month $100 2.08% 2.10%
See actual rate sheet for terms & conditions.

Savings Rates

Account Type

Base Rate

APY
Preferred Daily Income Account (required balance to earn each day)
0-$1,999 .15% .15%
$2,000-$9,999 .20% .20%
$10,000-$24,999 .25% .25%
$25,000-$49,999 .35% .35%
$50,000 + .45% .45%
Regular Share Account .10% .10%
Youth Account .10% .10%
Tax Account .10% .10%
Holiday/Property Tax Account .75% .75%
Vacation Club Account .75% .75%
IRA Share Account .45% .45%
See actual rate sheet for terms & conditions.

Checking Rates

Account Type

Base Rate

APY
Better Than Free Checking Account
0-$499 .01% .01%
$500+ .02% .02%
Preferred Checking Account    
0-$499 .01% .01%
$500-$4,999 .03% .03%
$5,000-$14,999 .05% .05%
$15,000-$24,999 .10% .10%
$25,000+ .15% .15%
Better Business Checking Account    
0-$499 .01% .01%
$500-$4,999 .01% .01%
$5,000-$14,999 .03% .03%
$15,000-$24,999 .05% .05%
$25,000+ .10% .10%
Health Savings Account (HSA)    
0-$999 2.96% 3.00%
$1,000-$2,499 1.00% 1.00%
$2,500-$4,999 1.00% 1.00%
$5,000-$9,999 1.00% 1.00%
$10,000-$24,999 1.00% 1.00%
$25,000+ 1.00% 1.00%


See actual rate sheet for terms & conditions.

Vehicle Loan Rates

Fixed

Account Type

APR

Terms
(months)
New Auto 4.25%-18.00% 0-72
Used Auto
6 years or less
6 years+
4.75%-18.00%
5.50%-18.00%
0-72
0-60
New Vehicles
for Recreation		 6.75%-18.00% 0-48
Used Vehicles
for Recreation		 7.75%-18.00% 0-48
New Boats 6.00%-17.00% 0-120
Used Boats
6 years or less
6 years+
6.00%-17.00%
6.75%-17.75%
0-120
0-120
New RVs 6.50%-17.00% 0-120
Used RVs
6 years or less
6 years+
6.50%-17.00%
7.25%-17.75%
0-120
0-120

Variable

Account Type

APR

Terms (months)
New Auto 4.00%-17.00% 0-84
Used Auto
6 years or less
6 years+		 4.50%-17.50%
5.25%-18.00%		 0-84
0-60
New Vehicles
for Recreation		 6.00%-16.50% 0-72
Used Vehicles
for Recreation		 7.00%-18.00% 0-60
New/Used
Boats and RVs
6 years or less
6 years+		 5.75%-16.25%
6.50%-17.00%		 0-240
0-180
See actual rate sheet for terms & conditions.

Credit Card Rates

Credit Card Type

APR
Preferred Visa 8.75%-18.00% v
Secured Visa 4.00% f

Real Estate Loan Rates

Account Type

APR

Terms (months)
Preferred Equity Line of Credit
First Equity
Second Equity
 4.75%-8.75% v
5.50%-9.50% v
5.50%-9.50% v
6.25%-10.25% v		 0-216
0-360
0-144
0-240
Preferred Equity
Home Loan		 5.25%-13.50% f
5.50%-13.75% f		 0-84
0-120
Non Owner
Occupied Loan
First Deed
Second Deed

8.00% v
9.50% v

0-240
0-240
Commercial Real
Estate Loans		 Call For Details 25 year
amortization
15 year
balloon
See actual rate sheet for terms & conditions.

Personal Loan Rates

Account Type

APR

Terms (months)
Happy Days Loan 5.00%-16.00% v 0-60
Happy Days
Business Loan		 5.50%-16.00% v 0-60
Student Loan   Call for details.
Personal Line
of Credit		 9.00%-17.00% v 0-60
Personal Loan 10.00%-18.00% f 0-60
Contract Value
Loan
For Farmers
Agents Only		 3.49%-14.99% f
5.99%-9.49% v		 0-48
72
Contract Value
Line of Credit
For Farmers
Agents Only		 5.49%-8.99% v
7.49%-10.99% v		 60
120
Agency Business
Loans		 as low
as 5.00%		 Up to 120
See actual rate sheet for terms & conditions.

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