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                                                        SAVINGS

                                  Share Savings up to $4999.99                     .15%

                                  Share Savings $5000.00 and over              .15%

                                   IRA Savings up to $4999.99                        .15%

                                   IRA Savings $5000.00 and over                  .15%

                                


                                                 Share Certificates

                                  1 Year                                   .75%

                                  2 Year                                   1.00%

                                                    AUTO LOANS

Interest Rate is determined by your Vantage Score and Debt Ratio

USED CAR                                                            NEW CAR                     

5 Years    3.50% - 5.50%                                6 Years    3.50% - 5.00%   

4 Years    3.50% - 5.50%                                5 Years    3.50% - 5.00%

3 Years    3.50% - 5.50%                                4 Years    3.50% - 5.00%

2 Years    3.50% - 5.50%                                3 Years    3.50% - 5.00%

                                                                        2 Years    3.50% - 5.00%

                                                    CREDIT LINE

                                               11.49% Variable Rate

                                                SHARED SECURE

                                                         3.25%