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Loans
Rates Effective 3/29/2007
All rates on loans are expressed in terms of Annual Percentage Rates (APR)
Term Fixed Variable
New or Used Vehicle (Model years '02 and newer) 0 to 36 months 5.35% n/a
Terms in excess of 72 months are for new vehicles ONLY. 37 to 84 months 5.95% n/a
Line of Credit n/a n/a 12.50%
Unsecured Personal n/a 14.00% 12.50%
Savings Account Secured n/a 3.75% 6.50%
Visa Credit Card n/a n/a 12.50%
Home Equity Line of Credit n/a n/a 8.25%
Mini Home Equity Loan 0 to 36 months 6.95% n/a
37 to 72 months 7.45% n/a
73 to 108 months 7.65% n/a
109 to 144 months 8.20% n/a
Unimproved Land n/a 8.20% 10.00%


First Mortgage Loans
Rates Effective 3/28/2007
All rates on loans are expressed in terms of Annual Percentage Rates (APR)
Program/Term Lock Period Rate Points
15 Year Fixed Rate 45 Days 5.500% 1.5000
15 Year Fixed Rate 45 Days 6.000% 0.0000
30 Year Fixed Rate 45 Days 5.500% 2.7500
30 Year Fixed Rate 45 Days 6.250% 0.0000
Other rates with varying points and/or longer lock periods may be available--please call a Mortgage Loan Officer for additional rates. All rates are available for refinance or new purchases. Rates are updated at approximately 2:00 p.m. each business day, and are subject to change.


Jumbo First Mortgage Loans
All rates on loans are expressed in terms of Annual Percentage Rates (APR). Jumbo loan rates are offered on loan amounts greater than $417,000. Rates may vary based on owner equity.
Program/Term Lock Period Rate Points
Jumbo 15 Year Fixed 45 Days 5.750% 1.6250
Jumbo 15 Year Fixed 45 Days 6.250% 0.0000
Jumbo 30 Year Fixed 45 Days 6.000% 1.7500
Jumbo 30 Year Fixed 45 Days 6.500% 0.0000
Other rates with varying points and/or longer lock periods may be available--please call a Mortgage Loan Officer for additional rates. All rates are available for refinance or new purchases. Rates are updated at approximately 2:00 p.m. each business day, and are subject to change.



Savings and Investment Rates
Rates Effective 3/29/2007

Minimum Balance to Open & Earn Dividends Annual Percentage Yield
Regular Savings $50 1.51%
Preferred Money Market $10,000 2.69%
Holiday Savings Club $5 1.51%
Vacation Savings Club $5 1.51%
IRA Savings $5 1.51%
IRA Money Market $10,000 2.69%


Certificates

Minimum Balance to Open Annual Percentage Yield
6 Month Savings Certificate $500 4.07%
12 Month Savings or IRA $1,000 4.59%
18 Month Savings or IRA $1,000 4.85%
24 Month Savings or IRA $1,000 4.85%
36 Month Savings or IRA $1,000 5.01%
48 Month Savings or IRA $1,000 5.12%
60 Month Savings or IRA $1,000 5.22%



Money Market Rate History
Average yield for 11/06 = 2.69%
Average yield for 12/06 = 2.69%
Average yield for 01/07 = 2.69%
Average yield for 02/07 = 2.69%


Current Month: Money Market Annual Percentage Yields

3/1/07 2.69% 3/11/07 2.69% 3/21/07 2.69%
3/2/07 2.69% 3/12/07 2.69% 3/22/07 2.69%
3/3/07 2.69% 3/13/07 2.69% 3/23/07 2.69%
3/4/07 2.69% 3/14/07 2.69% 3/24/07 2.69%
3/5/07 2.69% 3/15/07 2.69% 3/25/07 2.69%
3/6/07 2.69% 3/16/07 3.69% 3/26/07 2.69%
3/7/07 2.69% 3/17/07 2.69% 3/27/07 2.69%
3/8/07 2.69% 3/18/07 2.69% 3/28/07 2.69%
3/9/07 2.69% 3/19/07 2.69% 3/29/07 2.69%
3/10/07 2.69% 3/20/07 2.69% 3/30/07
3/31/07

Average Yield for March (29 days) 2.69%
Current Yield as of 3/29/2007 2.69%
Year-to-date Average Yield 2.69%
Last 14 Days Average Yield 2.69%
Last 7 Days Average Yield 2.69%



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