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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	4.39%	3.89%	3.64%
Used Auto	4.39%	3.89%	3.64%

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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	6.65%	6.15%	5.90%
New PWC	6.65%	6.15%	5.90%
New Motorcycle	6.65%	6.15%	5.90%
New ATV	6.65%	6.15%	5.90%
Used Boat / RV	6.65%	6.15%	5.90%
Used PWC	6.65%	6.15%	5.90%
Used Motorcycle	6.65%	6.15%	5.90%
Used ATV	6.65%	6.15%	5.90%

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Home Loans

Home Loans APR = Annual Percentage Rate	APR as low as
Mortgage - 10 yr	6.00%
Mortgage - 15 yr	6.250%
Mortgage - 20, 25, 30 yr	Contact for Rate
Home Equity Line of Credit	5.30% Variable

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Unsecured Loans

Unsecured Loans APR = Annual Percentage Rate	APR as low as
Signature	9.35%
Instant Cash Line of Credit	8.84%
Fuel Loan	6.50% Variable

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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	0.40%
Money Club $5,000.01 - $25,000.00	0.45%
Money Club $25,000.01 and over	0.50%

$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	1.00%	1.10%
1 year Share Certificate	1.36%	1.46%
18 months Share Certificate	1.46%	1.56%
2 year Share Certificate	1.66%	1.77%
3 year Share Certificate	1.87%	1.97%

$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	1.51%	1.61%
2 Years	1.71%	1.82%
3 Years	1.92%	2.02%
$150,000.00 - $199,999.99
1 Year	1.56%	1.66%
2 Years	1.77%	1.87%
3 Years	1.97%	2.07%
$200,000.00 and over
1 Year	1.61%	1.71%
2 Years	1.82%	1.92%
3 Years	2.02%	2.12%

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	1.00%	1.10%
1 year IRA Certificate	1.36%	1.46%
18 months IRA Certificate	1.46%	1.56%
2 year IRA Certificate	1.66%	1.77%
3 year IRA Certificate	1.87%	1.97%
IRA*	0.55%	NA
Coverdell Educational Savings Account*	0.55%	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	1.51%	1.61%
2 Years	1.71%	1.82%
3 Years	1.92%	2.02%
$150,000.00 - $199,999.99
1 Year	1.56%	1.66%
2 Years	1.77%	1.87%
3 Years	1.97%	2.07%
$200,000.00 and over
1 Year	1.61%	1.71%
2 Years	1.82%	1.92%
3 Years	2.02%	2.12%

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

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