Rates

Loan and Credit Card Rates (updated 10/01/2006)
All loan rates quoted as Annual Percentage Rate (APR)
Loan rates, which are subject to change without notice, may vary with respect to your credit history (i.e. Beacon Score), the model year of the vehicle and term of the loan.

Type Model Year Term Rate (APR) as low as
New Auto   36-42 Months 5.00%
43-54 Months 5.50%
55-66 Months 6.00%
67-72 Months 6.00%
Used Auto 2007 60-66 Months 6.00%
2006 60-66 Months 6.50%
2005 54-60 Months 7.50%
2004 48-54 Months 7.50%
2003 36 Months 8.50%
2002 36 Months 8.50%
Visa   9.90%
Secured Visa   17.90%
MasterCard   9.90%
Savings Secured   3% above Dividend Rate
Certificate Loan   3% above Dividend Rate
Unsecured   17.90%



Regular Savings, IRA Savings & Club Accounts (updated 10/01/2006)
All rates quoted as Annual Percentage Yield (APY)
As of the last dividend declaration date, the Dividend Rate is shown below, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth-In-Savings Disclosure.

Account Average Daily Balance for the Quarter Dividend Frequency Dividend Rate APY
Regular Savings $00.00 to $50.00 Semi-Annually 0.00% 0.00%
$50.01 to $499.99 Semi-Annually 0.25%* 0.25%*
$500.00 to $2,499.99 Semi-Annually 0.75%* 0.75%*
$2,500.00 and over Semi-Annually 0.75%* 0.75%*
IRA Savings $50.01 to $499.99 Semi-Annually 0.50%* 0.50%*
$500.00 and over Semi-Annually 1.00%* 1.00%*
Holiday & Vacation Clubs $00.00 to $50.00 Semi-Annually 0.00% 0.00%
$50.01 to $499.99 Semi-Annually 0.25%* 0.25%*
$500.00 to $2,499.99 Semi-Annually 0.75%* 0.75%*
$2,500.00 and over Semi-Annually 0.75%* 0.75%*

* These are the actual rates paid as of June 30, 2006.


Money Management Accounts (updated 10/01/2006)
All rates quoted as Annual Percentage Yield (APY)
As of the last dividend declaration date, the Dividend Rate is shown below, with the corresponding Annual Percentage Yield (APY). The Dividend Rate and Annual Percentage Yield may change as indicated in our Truth-In-Savings Disclosure.

Account Minimum Average Balance Dividend Frequency Dividend Rate APY
Money Management Checking 5,000.00 Monthly 3.50% 3.56%
Money Management Savings 10,000.00 Monthly 4.00% 4.07%



Regular and IRA Certificate Accounts (updated 10/01/2006)
All rates quoted as Annual Percentage Yield (APY)
The Dividend Rate and corresponding Annual Percentage Yield (APY) on our Regular Certificates and Individual Retirement (IRA) certificates are reflected in the chart below. The Dividend Rate and APY were accurate as of the date indicated above and are subject to change without notice.

Term Minimum Balance Dividend Frequency Dividend Rate APY
3 Months 1,000.00 Monthly 3.00% 3.04%
6 Months 1,000.00 Monthly 4.00% 4.07%
1 Year 1,000.00 Monthly 4.00% 4.07%
2 Years 1,000.00 Monthly 4.50% 4.59%
3 Years 1,000.00 Monthly 4.50% 4.59%
4 Years 1,000.00 Monthly 4.50% 4.59%
5 Years 1,000.00 Monthly 4.50% 4.59%