Updated Loan Rates

Loan Rates

Effective: 05/06/2008

FIXED RATE MORTGAGES

Product Description

Initial Rate

Effective APR*

15 year

5.625

5.651

$823.73

20 year

6.000

6.021

$716.43

30 year

6.125

6.141

$607.61

ADJUSTABLE RATE MORTGAGES

Product Description

Initial Rate

Effective APR*

Index

Initial Payment / $100,000

3 Year ARM

5.650

5.668

2.560

$623.08

5 Year ARM

5.900

5.918

3.100

$638.20

CONSUMER LOANS

Vehicles

Term

Rate

Effective APR**

Downpayments

New 2008, 2007

Max 60 months

5.50

5.605

20.00%

Used 2007-2006

Max 60 months

6.25

6.357

20.00%

2005-2001

Max 48 months

7.25

7.380

30.00%

2000-1999

Max 36 months

7.50

7.671

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

All rates subject to change without notice.