Updated Loan Rates

Loan Rates

Effective: 07/20/2010

FIXED RATE MORTGAGES

Product Description

Initial Rate

Effective APR*

15 year

3.875

3.877

$733.44

20 year

4.375

4.377

$625.92

30 year

4.500

4.501

$506.69

ADJUSTABLE RATE MORTGAGES

Product Description

Initial Rate

Effective APR*

Index

Initial Payment / $100,000

3 Year ARM

6.500

4.726

1.020

$675.33

BALLOON MORTGAGES

Product Description

Initial Rate

Effective APR*

Initial Payment / $100,000

3 Year Balloon

5.650

5.656

$623.17

5 Year Balloon

5.500

5.504

$614.18

CONSUMER LOANS

Vehicles

Term

Rate

Effective APR**

Downpayments

New 2011, 2010

Max 60 months

5.093

5.219

20.00%

Used 2010, 2009

Max 60 months

5.843

5.969

20.00%

2008

Max 48 months

6.249

6.405

30.00%

2007

Max 36 months

6.595

6.798

30.00%

2006

Max 24 months

6.595

6.890

30.00%

*Annual Percentage Rate
APR based on loan amt of $100,000 w/ 20% down

** Annual Percentage Rate
APR based on 20,000 for maximum term

NOTE: These rates are without adjustments for loan to value, credit scores below 740, or subordinate financing.

All rates subject to change without notice.