Rates

Savings

Account Type Dividend Period Declared Date Rate(%)/APY(%)
Savings Monthly 04/19/2012 0.946 / 0.95 1
IRA
Traditional, Roth, SEP
Monthly 04/19/2012 0.946 / 0.95 1
Coverdell ESA Monthly 04/19/2012 0.946 / 0.95 1
Basic Checking Monthly 04/19/2012 0.00 / 0.00 2
High Rate Checking Monthly 04/19/2012 0.896 / 0.90 2

Mortgage Share

Monthly 04/19/2012 .25 / .25 3

Health Savings (HSA)

Account Type Dividend Period Declared Date Rate(%)/APY(%)
Health Savings Monthly 04/19/2012 1.490 / 1.50 4

Certificates 5

As of 01/17/12
Certificate Type Term Balance Rate(%)/APY(%)
Share
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.995 / 1.00
0.995 / 1.00
Share
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
1.144 / 1.15
1.144 / 1.15
Share
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.292 / 1.30
1.292 / 1.30
Share
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.490 / 1.50
1.490 / 1.50
Share
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.785 / 1.80
1.785 / 1.80
Traditional IRA
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.995 / 1.00
0.995 / 1.00
Traditional IRA
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
1.144 / 1.15
1.144 / 1.15
Traditional IRA
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.292 / 1.30
1.292 / 1.30
Traditional IRA
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.490 / 1.50
1.490 / 1.50
Traditional IRA
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.785 / 1.80
1.785 / 1.80
Roth IRA
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.995 / 1.00
0.995 / 1.00
Roth IRA
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
1.144 / 1.15
1.144 / 1.15
Roth IRA
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.292 / 1.30
1.292 / 1.30
Roth IRA
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.490 / 1.50
1.490 / 1.50
Roth IRA
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.785 / 1.80
1.785 / 1.80
SEP IRA
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.995 / 1.00
0.995 / 1.00
SEP IRA
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
1.144 / 1.15
1.144 / 1.15
SEP IRA
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.292 / 1.30
1.292 / 1.30
SEP IRA
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.490 / 1.50
1.490 / 1.50
SEP IRA
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.785 / 1.80
1.785 / 1.80
Coverdell ESA
(min balance $1000.00)
12-17m
up to 24,999.99
25,000 and up
0.995 / 1.00
0.995 / 1.00
Coverdell ESA
(min balance $1000.00)
18-23m
up to 24,999.99
25,000 and up
1.144 / 1.15
1.144 / 1.15
Coverdell ESA
(min balance $1000.00)
24-35m
up to 24,999.99
25,000 and up
1.292 / 1.30
1.292 / 1.30
Coverdell ESA
(min balance $1000.00)
36-47m
up to 24,999.99
25,000 and up
1.490 / 1.50
1.490 / 1.50
Coverdell ESA
(min balance $1000.00)
48-60m
up to 24,999.99
25,000 and up
1.785 / 1.80
1.785 / 1.80

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 05-16-2012
Product Type Rate(%) APR(%) Points(%)
First Mortgages
1/1 ARM 2.500 3.4750 0
3/1 ARM 2.500 3.333 0
5/1 ARM 2.500 3.207 0
5/1 ARM
(Interest-only)
3.250 3.467 0
7/1 ARM 2.750 3.208 0
7/1 ARM
(Interest-only)
3.500 3.546 0
10/1 ARM 3.750 3.708 0
15-Yr. Fixed 3.250 3.347 0
30-Yr. Fixed 4.000 4.055 0
Vacation homes
1/1 ARM 2.750 3.955 0
3/1 ARM 2.750 3.773 0
5/1 ARM 2.750 3.614 0
7/1 ARM 3.000 3.588 0
10/1 ARM 4.000 4.055 0
15-Yr. Fixed 3.250 3.347 0
30-Yr. Fixed 4.000 4.055 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 * 1.99 $ 14.75
Used Vehicle 1 up to 72 1.99 $ 14.75
Recreational Vehicles 1 up to 240 5.50 $ 6.89
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 2.95 $ 22.21
Savings Secured 1 49 to 60 3.95 $ 18.49
Savings Secured Term1 up to 12 2.95

Student Loans

Product Type Max Term
(months)
APR(%)
(as low as)
Student Loans 2 144 4.50

* 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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