Shares Loans

REGULAR SHARES

Balance	Dividend Rate	Annual Percentage Yield
$50-499.99	2.9375%	2.97%
$500-4,999.99	3.1875%	3.23%
$5,000-9,999.99	3.4375%	3.48%
$10,000 & over	3.6875%	3.74%

IRA ACCOUNT

Balance	Dividend Rate	Annual Percentage Yield
	4.25%	4.32%

CHRISTMAS CLUB

Balance	Dividend Rate	Annual Percentage Yield
	2.75%	2.78%

LOANS

Loan Type	Maximum Term	Annual Percentage Rate
SIGNATURE	3 years	9.50%*
	4 years	10.00%*
	5 years	10.50%*
AUTOMOBILE
(New)	3 years	6.25%*
	4 years	6.50%*
	5 years	7.00%*
	6 years	8.00%*
(Used)	3 years	6.50%*
	4 years	6.75%*
	5 years	7.25%*
	6 years	9.00%*
SHARE-SECURED	2 years	2.50% above share dividend rate
	12 years	3.00% above share dividend rate
LINE OF CREDIT OVERDRAFT PROTECTION	varied	15.00%
KWIK KASH PERSONAL LINE OF CREDIT	5 years	13.00%*
*Rates disclosed subject to individual credit history.