Rates

* Annual Percentage Rate **Annual Percentage Yield

Share Rates (Effective November 1, 2011)
Shares	APR*	APY**	Requirements	Dividends Paid
Master Shares	0.15%	0.15%	If over $50.00 balance	monthly
Other Shares	0.15%	0.15%	If over $50.00 balance	monthly
Pee Wee Penguin	0.15%	0.15%	$5.00 minimum balance	monthly
Holiday Spending	0.25%	0.25%	If over $50.00 balance	monthly
Health Savings	0.15%	0.15%	$5.00-$499.99	monthly
	0.20%	0.20%	$500.00-$2,499.99	monthly
	0.25%	0.25%	$2,500.00-$4,99.99	monthly
	0.30%	0.30%	$5,000.00-$14,999.99	monthly
	0.40%	0.40%	$15,000.00 and above	monthly
Share Draft	0.00%	0.00%	n/a	n/a
Snowbird	0.15%	0.15%	$500.00 minimum balance	monthly
Non-Stop	0.20%	0.20%	$2,500.00 - $9,999.99	monthly
	0.25%	0.25%	$10,000.00- 24,999.99	monthly
	0.35%	0.35%	$25,000 - $49,999.99	monthly
	0.45%	0.45%	$50,000.00 - 99,999.99	monthly
	0.55%	0.55%	$100,000.00 and over	monthly
IRA Shares	0.30%	0.30%	$5.00-$2,499.99	monthly
	0.40%	0.40%	$2,500.00 - $9,999.99	monthly
	0.60%	0.60%	$10,000.00 - 24,999.99	monthly
	0.75%	0.76%	$25,000.00-$49,000.99	monthly
	1.00%	1.01%	$50,000.00-$99,999.99	monthly
	1.10%	1.11%	$100,000.00 and above	monthly

Certificates
Certificates	APR*	APY**	Requirements	Dividends Paid
6-Month Certificate	0.50%	0.50%	$500 Minimum Balance	Maturity
12-Month Certificate	0.70%	0.70%	$500 Minimum Balance	Quarterly
24-Month Certificate	1.00%	1.01%	$500 Minimum Balance	Quarterly
36-Month Certificate	1.15%	1.16%	$500 Minimum Balance	Quarterly
Pick a term 48-60 month Certificate	1.75%	1.76%	$500 Minimum Balance	Quarterly
6-Month IRA Certificates	0.50%	0.50%	$500 Minimum Balance	Maturity
12-Month IRA Certificate	0.70%	0.70%	$500 Minimum Balance	Quarterly
24-Month IRA Certificate	1.00%	1.01%	$500 Minimum Balance	Quarterly
36-Month IRA Certificate	1.15%	1.16%	$500 Minimum Balance	Quarterly
Pee Wee Penguin 12 Month Certificate	0.70%	0.70%	$100 minimum balance	Quarterly

Consumer Loans (Effective April 11, 2011)
Credit Rating	750+	749-700	699-650	649-600	599-550	<550
Auto Loans
	APR*	APR*	APR*	APR*	APR*	APR*
24 Month	3.89%	4.49%	5.49%	7.29%	9.79%	13.79%
36 Month	3.89%	4.49%	5.79%	7.59%	9.99%	13.99%
48 Month	3.89%	4.49%	5.99%	7.79%	10.29%	14.29%
60 Month	3.89%	4.49%	6.25%	7.99%	10.49%	14.49%
72 Month	5.49%	5.99%	6.99%	8.79%	11.29%	15.29%
Unsecured Signature
	APR*	APR*	APR*	APR*	APR*	APR*
12 Month	8.00%	9.00%	10.00%	13.50%	18.00%	18.00%
24 Month	8.50%	9.50%	10.50%	14.00%	18.00%	18.00%
36 Month	9.50%	10.50%	11.50%	15.00%	18.00%	18.00%
Personal Line of Credit  (Variable Rate Feature)
	APR*	APR*	APR*	APR*	APR*	APR*
	7.75%	8.25%	9.25%	12.25%	17.50%	17.50%
Recreational Vehicles and Equipment
New	APR*	APR*	APR*	APR*	APR*	APR*
12 Month	5.25%	5.40%	6.00%	7.50%	9.50%	13.50%
24 Month	5.25%	5.40%	6.25%	7.75%	9.75%	13.75%
36 Month	5.25%	5.40%	6.50%	8.00%	10.00%	14.00%
48 Month	5.25%	5.40%	6.75%	8.25%	10.25%	14.25%
60 Month	5.25%	5.40%	7.00%	8.50%	10.50%	14.50%
84 Month	6.75%	6.90%	7.50%	9.00%	11.00%	15.00%
Used	APR*	APR*	APR*	APR*	APR*	APR*
12 Month	5.50%	5.65%	6.25%	7.75%	9.75%	13.75%
24 Month	5.75%	5.90%	6.50%	8.00%	10.00%	14.00%
36 Month	5.75%	5.90%	6.75%	8.25%	10.25%	14.25%
48 Month	5.75%	5.90%	7.00%	8.50%	10.50%	14.50%
60 Month	5.75%	5.90%	7.50%	9.00%	11.00%	15.00%
84 Month	7.25%	7.40%	8.00%	9.50%	11.50%	15.50%

Home Equity Loans
Member Credit Score
		750+	749-700	699-650	649-600	550-599	<500
2nd Mortgage		APR*	APR*	APR*	APR*	APR*	APR*
5 yr	80% LTV*	5.95%	6.20%	6.75%	7.75%	9.25%	10.75%
	100% LTV*	6.45%	6.70%	7.25%	8.25%	10.25%	11.75%
10 yr	80% LTV*	6.25%	6.75%	7.25%	8.75%	9.75%	11.50%
	100% LTV*	7.00%	8.25%	8.75%	9.75%	10.75%	12.50%
Home Equity LOC**		7/1/11 PRIME 3.25%
	80% LTV*	4.00%	4.75%	5.75%	7.75%	N/A	N/A
	100% LTV*	4.75%	5.75%	6.75%	8.75%	N/A	N/A
*Loan-to-Value
**Prime determined Jan. 1 & July 1 each year
Rates are variable and may change semiannually on 2/15 and 8/15

Other Loans
Type	Term	APR*
Airplane	60 months	6.99%
	120 months	8.49%
Line-of-Credit/Overdraft Protection	N/A	18.00%
Visa Credit Card	N/A	14.40%
Share/CD Secured	2% over rate of security