SAVINGS

                                  Share Savings up to $4999.99                     .10%

                                  Share Savings $5000.00 and over              .75%

                                   IRA Savings                                                   .75%

                                                 Share Certificates

                                  1 Year                                   .75%

                                  2 Year                                   .75%

                                                    AUTO LOANS

USED CAR                                                                                  NEW CAR

5 Years    2.99% - 3.50%                                         6 Years     2.99% - 3.50%   

4 Years    2.99% - 3.50%                                         5 Years    2.99% - 3.50%

3 Years    2.99% - 3.50%                                         4 Years    2.99% - 3.50%

2 Years    2.99% - 3.50%                                         3 Years    2.99% - 3.50%

                                                                                    2 Years    2.99% - 3.50%

                                                    CREDIT LINE

                                               10.99% Variable Rate

                                                SHARED SECURE

                                                         3.75%