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LOANS

All collateral loans (excluding mortgages) receive 0.25% APR discount with a pre-approval

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Auto Loans

Auto Loans APR = Annual Percentage Rate	APR as low as	APR Peoples Preferred Club as low as	APR Peoples Preferred Club & Pre-approval as low as
New Auto	3.24%	2.74%	2.49%
Used Auto	3.24%	2.74%	2.49%

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Recreational Loans

Recreational Loans APR = Annual Percentage Rate	APR as low as	APR Peoples Preferred Club as low as	APR Peoples Preferred Club & Pre-approval as low as
New Boat / RV	5.50%	5.00%	4.75%
New PWC	5.50%	5.00%	4.75%
New Motorcycle	5.50%	5.00%	4.75%
New ATV	5.50%	5.00%	4.75%
Used Boat / RV	5.50%	5.00%	4.75%
Used PWC	5.50%	5.00%	4.75%
Used Motorcycle	5.50%	5.00%	4.75%
Used ATV	5.50%	5.00%	4.75%

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Home Loans

Home Loans APR = Annual Percentage Rate	APR as low as
Mortgage - 10 yr	5.625%
Mortgage - 15 yr	5.625%
Mortgage - 20, 25, 30 yr	Contact for Rate
Home Equity Line of Credit	4.75% Variable

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Unsecured Loans

Unsecured Loans APR = Annual Percentage Rate	APR as low as
Signature	8.50%
Instant Cash Line of Credit	8.29%

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Other Loans

Other Loans APR = Annual Percentage Rate	APR as low as
Frozen Share / Money Club/ Certificate	4.00%
New Lawn / Tractor / Farm Equipment	7.70%
Used Lawn / Tractor / Farm Equipment	8.70%

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SAVINGS

Share Account

Share Accounts	APY (Annual Percentage Yield)
Regular Shares	0.15%

Prospective rate quoted is compounded daily – Paid Monthly.

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Money Club Accounts

Club Accounts	APY (Annual Percentage Yield)
Money Club $0.01 - $5,000.00	0.25%
Money Club $5,000.01 - $25,000.00	0.30%
Money Club $25,000.01 and over	0.35%

$5,000.00 Minimum Opening Balance.
Prospective rate quoted is average daily balance – Paid Monthly.

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Christmas & Vacation Club Accounts

Club Accounts	APY (Annual Percentage Yield)
Christmas Club Accounts	0.35%
Vacation Club Accounts	0.35%

Prospective rate quoted is compounded daily – Paid Annually.

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Share Certificates

Share Certificates	APY (Annual Percentage Yield)	APY Peoples Preferred Club
6 month Share Certificate	0.45%	0.55%
1 year Share Certificate	0.50%	0.60%
18 months Share Certificate	0.55%	0.65%
2 year Share Certificate	0.60%	0.70%
3 year Share Certificate	0.65%	0.75%

$1,000.00 Minimum Deposit – Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal

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Jumbo Share Certificates

Jumbo Share Certificates	APY (Annual Percentage Yield)	APY Peoples Preferred Club
$100,000.00 - $149,999.99
1 Year	0.50%	0.60%
2 Years	0.60%	0.70%
3 Years	0.65%	0.75%
$150,000.00 - $199,999.99
1 Year	0.50%	0.60%
2 Years	0.60%	0.70%
3 Years	0.65%	0.75%
$200,000.00 and over
1 Year	0.55%	0.65%
2 Years	0.65%	0.75%
3 Years	0.71%	0.80%

Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal

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Individual Retirement Accounts

Individual Retirement Accounts	APY (Annual Percentage Yield)	APY Peoples Preferred Club
6 month IRA Certificate	0.45%	0.55%
1 year IRA Certificate	0.50%	0.60%
18 months IRA Certificate	0.55%	0.65%
2 year IRA Certificate	0.60%	0.70%
3 year IRA Certificate	0.65%	0.75%
IRA*	0.40%	NA
Coverdell Educational Savings Account*	0.40%	NA

*Prospective rate quoted is compounded daily – Paid Monthly.
Certificates - $1,000.00 Minimum Deposit – Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal

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Jumbo IRA Certificates

Jumbo IRA Certificates	APY (Annual Percentage Yield)	APY Peoples Preferred Club
$100,000.00 - $149,999.99
1 Year	0.50%	0.60%
2 Years	0.60%	0.70%
3 Years	0.65%	0.75%
$150,000.00 - $199,999.99
1 Year	0.50%	0.60%
2 Years	0.60%	0.70%
3 Years	0.65%	0.75%
$200,000.00 and over
1 Year	0.55%	0.65%
2 Years	0.65%	0.75%
3 Years	0.71%	0.80%

Compounded Daily – Paid Monthly.
Penalty may be imposed for early certificate withdrawal

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