Loan Rates

Car & Motorcycle
Type	Rate*	APR**
New As Low As	5.95%	5.95%
Used As Low As	6.60%	6.60%
Snowmobiles and ATV As Low As	7.40%	7.40%
Boats As Low As	6.85%	6.85%
Home Equity
Term	Rate*	APR**
5 year	4.875%	4.875%
12 year	6.500%	6.500%
15 year	6.750%	6.750%

Other Loans	Rate*	APR**
Signature Loan As Low As	10.65%	10.65%
Home Mortgage	call for more information
Pledged Shares Loan	call for more information
* Rate is interest rate.**APR is annual percentage rate. Consumer Loan rates are determined by an assessment of your credit and may vary from rate shown.
Home Equity Loans are a variable rate line of credit loan.
All rates are subject to change without notice.
Loan Rates effective as of 5/1/2008

Savings Rates

Savings Rates
Type	Rate*	APY**
Regular (A)	.50%	.50%
B & T $0-$2500	.50%	.50%
B & T $2500.01 - 5K	.75%	.753%
B & T $5000.01-10K	1.25%	1.26%
B & T $10,000.01-20K	1.38%	1.39%
B & T $20,000.01-25K	1.50%	1.51%
B & T $25,000.01-50K	1.63%	1.64%
B & T $50,000.01-100K	1.88%	1.90%
B & T Over $100K	2.00%	2.02%
Club Accounts (C, H. & V)	.50%	.50%
IRA & SEP	1.88%	1.90%
HSA $0-2500	3.00%	3.03%
HSA $2501-5K	3.05%	3.08%
HSA $5001-10K	3.10%	3.14%
HSA Over $10K	3.15%	3.19%
* Rate is Dividend Rate. **APY is Annual Percentage Yield. Rates are subject to change without notice. Fees may reduce earnings.
Savings Rates effective as of 4/21/2008

Regular Share and IRA Certificates
Term	Rate*	APY**
3 Month	2.30%	2.30%
6 Month	2.60%	2.60%
12 Month	2.80%	2.83%
18 Month	2.85%	2.88%
24 Month	3.10%	3.14%
36 Month	3.25%	3.29%
Minimum Deposit on regular share certificates is $500.00. Additional deposits allowed with a minimum deposit amount of $500.
~ Special ~	Rate*	APY**


* Rate is dividend rate. **APY is annual percentage yield. Rates are subject to change without notice. Penalty may be assessed for early withdrawal.
Certificate Rates effective as of 5/1/2008