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Rates effective as of 10/15/08
Residential Mortgage Loans
Type    Term    Rate    APR    Points    Down Payment
Conventional    15 Years    6.50%    6.50%    0    20%
Conventional    20 Years    6.75%    6.75%    0    20%
Conventional    30 Years    6.75%    6.75%    0    20%
Conventional    40 Years    7.125%    7.125%    0    20%
1st Mortgage - Home Equity    Up to 30 Years    7.3%    7.3%    0    0
2nd Mortgage - Home Equity    Up to 15 Years    7.75%    7.75%    0    0
 
Consumer Installment Loan Rate
Type    Model Year    Term    Rate    APR
Auto Loan    2007    60 Months    7.25%    7.25%
Auto Loan    2006    60 Months    7.25%    7.25%
Auto Loan    2005    48 Months    7.50%    7.50%
Auto Loan    2004    42 Months    7.75%    7.75%
Auto Loan    2003    36 Months    7.90%    7.90%
 
Home Equity Lines of Credit
Type    Loan To Value    Term    Rate    APR
Home Equity Line of Credit    80%    Annually Renewable    National Prime (floating)   
 
Deposit Rates
Type    APY
3 Month CD $2,500.00 - $19,999.99    1.65%
3 Month CD $20,000.00 & up    1.75%
6 Month CD $2,500.00 - $19,999.99    2.25%
6 Month CD $20,000.00 & up    2.35%
9 Month CD $2,500.00 - $19,999.99    2.90%
9 Month CD $20,000.00 & up    3.00%
1 Year CD $500.00 - $19,999.99    2.59%
1 Year CD $20,000.00 & up    2.70%
18 Month CD $500.00 - $19,999.99    2.75%
18 Month CD $20,000.00 & up    2.85%
2 Year CD $500.00 - $19,999.99    3.15%
2 Year CD $20,000.00 & up    3.25%
3 Year CD $500.00 - $19,999.99    3.30%
3 Year CD $20,000.00 & up    3.40%
5 Year CD $500.00 - $19,999.99    3.49%
5 Year CD $20,000.00 & up    3.60%
IRA Variable Savings $100.00 & up    1.75%
IRA 3 Month CD $2,500.00 - $19,999.99    1.65%
IRA 3 Month CD $20,000.00 & up    1.75%
IRA 6 Month CD $2,500.00 - $19,999.99    2.25%
IRA 6 Month CD $20,000.00 & up    2.35%
IRA 9 Month CD $2,500.00 - $19,999.99    2.90%
IRA 9 Month CD $20,000.00 & up    3.00%
IRA 1 Year CD $500.00 - $19,999.99    2.59%
IRA 1 Year CD $20,000.00 & up    2.70%
IRA 18 Month CD $500.00 - $19,999.99    2.75%
IRA 18 Month CD $20,000.00 & up    2.85%
IRA 2 Year CD $500.00 - $19,999.99    3.15%
IRA 2 Year CD $20,000.00 & up    3.25%
IRA 3 Year CD $500.00 - $19,999.99    3.30%
IRA 3 Year CD $20,000.00 & up    3.40%
IRA 5 Year CD $500.00 - $19,999.99    3.49%
IRA 5 Year CD $20,000.00 & up    3.60%
 
Rates subject to change without further notice. Please call 309-342-8161 for current rates. Substantial penalty for early withdrawal.
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