Rates

Savings

Account Type Dividend Period Declared Date Dividend Rate (%)
/APY (%)
Savings Monthly 02/20/2014 0.698 / 0.70 1
IRA
Traditional, Roth, SEP
Monthly 02/20/2014 0.698 / 0.70 1
Coverdell ESA Monthly 02/20/2014 0.698 / 0.70 1
Basic Checking Monthly 02/20/2014 0.00 / 0.00 2
High Rate Checking Monthly 02/20/2014 0.648 / 0.65 2

Mortgage Share

Monthly 02/20/2014 .25 / .25 3

Health Savings (HSA)

Account Type Dividend Period Declared Date Dividend Rate (%)
/APY (%)
Health Savings Monthly 02/20/2014 0.648 / 0.65 4

Certificates 5

As of
Certificate Type Term Balance Dividend Rate (%)
/APY (%)
Share
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.747 / 0.75
0.747 / 0.75
Share
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
0.896 / 0.90
0.896 / 0.90
Share
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.045 / 1.05
1.045 / 1.05
Share
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.243 / 1.25
1.243 / 1.25
Share
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.539 / 1.55
1.539 / 1.55
Traditional IRA
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.747 / 0.75
0.747 / 0.75
Traditional IRA
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
0.896 / 0.90
0.896 / 0.90
Traditional IRA
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.045 / 1.05
1.045 / 1.05
Traditional IRA
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.243 / 1.25
1.243 / 1.25
Traditional IRA
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.539 / 1.55
1.539 / 1.55
Roth IRA
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.747 / 0.75
0.747 / 0.75
Roth IRA
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
0.896 / 0.90
0.896 / 0.90
Roth IRA
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.045 / 1.05
1.045 / 1.05
Roth IRA
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.243 / 1.25
1.243 / 1.25
Roth IRA
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.539 / 1.55
1.539 / 1.55
SEP IRA
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.747 / 0.75
0.747 / 0.75
SEP IRA
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
0.896 / 0.90
0.896 / 0.90
SEP IRA
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.045 / 1.05
1.045 / 1.05
SEP IRA
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.243 / 1.25
1.243 / 1.25
SEP IRA
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.539 / 1.55
1.539 / 1.55
Coverdell ESA
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.747 / 0.75
0.747 / 0.75
Coverdell ESA
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
0.896 / 0.90
0.896 / 0.90
Coverdell ESA
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.045 / 1.05
1.045 / 1.05
Coverdell ESA
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.243 / 1.25
1.243 / 1.25
Coverdell ESA
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.539 / 1.55
1.539 / 1.55

APY = Annual Percentage Yield.
1 Savings, IRA, ESA & mortgage share disclosure
2 Checking disclosure
3 Mortgage Share disclosure
4 HSA disclosure
5 Certificate disclosure

Mortgages 1

Mortgage Rates as of 4-17-2014
Product Type Rate(%) APR(%) Points(%)
First Mortgages
1/1 ARM 2.375 3.025 0
3/1 ARM 2.375 2.937 0
5/1 ARM 2.750 2.986 0
7/1 ARM 3.125 3.130 0
10/1 ARM 3.750 3.535 0
15-Yr. Fixed 3.500 3.635 0
30-Yr. Fixed 4.500 4.579 0
Vacation homes
1/1 ARM 2.625 3.506 0
3/1 ARM 2.625 3.380 0
5/1 ARM 3.000 3.399 0
7/1 ARM 3.375 3.516 0
10/1 ARM 4.000 3.886 0
15-Yr. Fixed 3.500 3.635 0
30-Yr. Fixed 4.500 4.579 0

ARM = Adjustable Rate Mortgage (variable rate). This rate may change after account is open.
For more information, please call our Mortgage Hotline 800-365-7003. Loan approval based on creditworthiness and ability to repay.

First Mortgages available in all 50 states. The Annual Percentage Rate (APR) assumes a 20% downpayment on a loan amount of $250,000 with a 30-year term, an origination fee of $1,350, $180 in additional prepaid finance charges plus 15 days of prepaid interest.

1 Mortgage disclosure.

Home Equity

Product Type Max Term
(months)
APR(%)
(as low as)
Home Equity Line of Credit 1 180 4.000
Home Equity Line of Credit (Interest-only) 1 84 (Balloon) 4.000
Home Equity Loans 1 60 to 180 5.500 to 6.500

Example Home Equity Loans Monthly Repayment Terms
Loan Type APR(%) Payment Per $1,000
5-Yr. Fixed (60 months) 5.500 19.11
10-Yr. Fixed (120 months) 6.000 11.11
15-Yr. Fixed (180 months) 6.500 8.72

1 Home Equity Disclosure
APR = Annual Percentage Rate.

Consumer Loans

Product Type Max Term
(months)
APR(%)
(as low as)
Approximate Payment
(Per $1,000)
New Vehicle 1 up to 72 * 1.74 $ 14.64
Used Vehicle 1 up to 72 1.99 $ 14.75
Recreational Vehicles 1 up to 240 3.99 $ 6.06
Motorcycle 1
(over 10K)
up to 60 ** 7.25 $ 19.93
Boat 1
(over 50k)
up to 180 6.25 $ 8.58
Boat 1
(under 50K)
up to 120 6.50 $ 11.36
Aircraft 1
up to 180 6.75 $ 8.86
Unsecured 1 up to 48 11.90 $ 26.23
Savings Secured 1 1 to 48 2.00 $ 22.21
Savings Secured 1 49 to 60 3.00 $ 18.49
Savings Secured Term1 up to 12 2.00

Student Loans

Product Type Max Term
(months)
APR(%)
(as low as)
Student Loan K-12/College 2 144 4.50
Student Loan Consolidation 2 300 6.00
Student Loan Traditional 2 144 4.25

* An 84-month term is also available, but only on new (never titled) vehicles for balances $25,000 and over. APR is 1% higher for loans with an 84 month term.
** A 72-month term is also available, but only on motorcycles for balances $20,000 and over. APR is 1% higher for loans with an 72 month term.
1 Consumer loan disclosure
2 Student loan disclosure.

VISA Credit Card

Product Type Max Term
(months)
APR(%)
Platinum 1 revolving Variable - 9.24 to 21.24
Platinum Rewards 1 revolving Variable - 11.24 to 23.24

1 VISA® disclosure. APR = Annual Percentage Rate.

Rates, terms and conditions subject to change.

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