Rates are accurate as of May 28, 2010 and are subject to change without notice. 
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Term Share Certificates3	APR1	APY 2	Compounding and Dividend Period	Minimum Balance to Open/Maintain Account	Minimum Balance to Earn Dividend
3 Month	1.00%	1.01%	Annual	$1,000.00	$1,000.00
6 Month 6 Month IRA	1.25%	1.26%	Annual	$1,000.00	$1,000.00
12 Month 12 Month IRA	1.50%	1.51%	Annual	$1,000.00	$1,000.00
18 Month	1.75%	1.75%	Annual	$1,000.00	$1,000.00
24 Month 24 Month IRA	2.00%	2.00%	Annual	$1,000.00	$1,000.00
30 Month	2.25%	2.25%	Annual	$1,000.00	$1,000.00
36 Months 36 Month IRA	2.25%	2.25%	Annual	$1,000.00	$1,000.00
48 Month 48 Month IRA	2.50%	2.50%	Annual	$1,000.00	$1,000.00
60 Month 60 Month IRA	2.75%	2.75%	Annual	$1,000.00	$1,000.00
1 APR=Annual Percentage Rate. 2 APY=Annual Percentage Yield. 3Certificate withdrawals prior to maturity for terms of 12 months and less are subject to 90-day loss of dividends and   Certificate withdrawals prior to maturity for terms greater than 12 months are subject to 180-day loss of dividends.

 

Auto Loans2	APR 1		Term
New Autos	As low as 5.49%		24 to 72 Months
Used Autos     (1 to 3 years old)	As low as 7.49%		24 to 60 Months
Used Autos    (4 to 7 years old)	As low as 9.49%		24 to 36 Months
1 APR=Annual Percentage Rate.            (Loan Calculator) 2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio.  Please consult with your loan officer regarding how your rate was determined.

  

Consumer Loans2	APR 1		Term
Consumer Purchases - Furniture, Appliances, Air Conditioners, Garden Tractors, Computers, etc	9.00% to 18.00%		12 to 36 Months
Boats And Recreational Vehicles	8.00% to 18.00%		24 to 60 Months
Holiday Loans	10.00% to 18.00%		12 Months
Savings Secured Loans	2% above Saving/Certificate Rate		Varies
1 APR=Annual Percentage Rate2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio.  Please consult with your loan officer regarding how your rate was determined.                                                          (Loan Calculator)

Signature Loans and Personal Lines of Credit2	APR 1		Minimum Payment
Smart-Line #1	Prime3 + 3%		$4 per $100
Smart-Line #2	Prime3 + 6%		$5 per $100
Smart-Line #3	Prime3 = 9%		$6 per $100
Fixed Rate Loan	18% APR		$6 per $100
1 APR=Annual Percentage Rate.            (Loan Calculator)  2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio. Please consult with your loan officer regarding how your rate was determined. 3 Prime = Prime Rate as listed in the Wall Street Journal.

Home Equity Line of Credit2	APR 1		Term
Home Equity Line of Credit	As low as Prime3 + 1%		36 to 120 Months
1 APR=Annual Percentage Rate.            (Loan Calculator) 2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio. Please consult with your loan officer regarding how your rate was determined. 3 Prime = Prime Rate as listed in the Wall Street Journal. Home Equity Line of Credit available in Kentucky and Tennessee only.

Mortgage Loans2	APR 1		Term3
First Mortgage Loans - No points or origination fees and low closing costs	5.49%		5 to 30 Years Amortization
1APR=Annual Percentage Rate.            (Loan Calculator)  2The Annual Percentage Rate (APR) you receive is based on your credit worthiness, underwriting, and debt ratio. Please consult with your loan officer regarding how your rate was determined. 3 First mortgages loans are 10 year balloon loans with a 5 year call provision. Mortgage loans available in Tennessee only.