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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	7.00%	6.50%	6.25%
Used Auto	7.00%	6.50%	6.25%

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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	8.00%	7.50%	7.25%
New PWC	8.00%	7.50%	7.25%
New Motorcycle	8.00%	7.50%	7.25%
New ATV	8.00%	7.50%	7.25%
Used Boat / RV	8.00%	7.50%	7.25%
Used PWC	8.00%	7.50%	7.25%
Used Motorcycle	8.00%	7.50%	7.25%
Used ATV	8.00%	7.50%	7.25%

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Home Loans

Home Loans APR = Annual Percentage Rate	APR as low as
Mortgage - 10 yr	7.000%
Mortgage - 15 yr	7.125%
Mortgage - 20, 25, 30 yr	Contact for Rate
Home Equity Line of Credit	6.50% Variable

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Unsecured Loans

Unsecured Loans APR = Annual Percentage Rate	APR as low as
Signature	9.85%
Instant Cash Line of Credit	9.00%
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	8.20%
Used Lawn / Tractor / Farm Equipment	9.20%

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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	0.60%
Money Club $5,000.01 - $25,000.00	0.65%
Money Club $25,000.01 and over	0.70%

$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	2.53%	2.63%
1 year Share Certificate	3.67%	3.77%
18 months Share Certificate	3.67%	3.77%
2 year Share Certificate	3.51%	3.62%
3 year Share Certificate	3.05%	3.15%

$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	3.82%	3.93%
2 Years	3.67%	3.77%
3 Years	3.20%	3.30%
$150,000.00 - $199,999.99
1 Year	3.87%	3.98%
2 Years	3.71%	3.82%
3 Years	3.25%	3.36%
$200,000.00 and over
1 Year	3.93%	4.03%
2 Years	3.77%	3.87%
3 Years	3.30%	3.41%

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	2.53%	2.63%
1 year IRA Certificate	3.67%	3.77%
18 months IRA Certificate	3.67%	3.77%
2 year IRA Certificate	3.51%	3.62%
3 year IRA Certificate	3.05%	3.15%
IRA*	0.76%	NA
Coverdell Educational Savings Account*	0.76%	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	3.82%	3.93%
2 Years	3.67%	3.77%
3 Years	3.20%	3.30%
$150,000.00 - $199,999.99
1 Year	3.87%	3.98%
2 Years	3.71%	3.82%
3 Years	3.25%	3.36%
$200,000.00 and over
1 Year	3.93%	4.03%
2 Years	3.77%	3.87%
3 Years	3.30%	3.41%

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

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