Rates

Risk-Based| Loans| Mortgage| Savings| Certificates

Effective 2/22/00
Rates are based on Credit Score and are subject to change.

Credit Rating	A APR*	B APR*	C APR*	D APR*	E APR*
24 month	8.24%	9.24%	11.24%	13.24%	15.24%
36 month	8.49%	9.49%	11.49%	13.49%	15.49%
48 month	8.74%	9.74%	11.74%	13.74%	15.74%
60 month	8.99%	9.99%	11.99%	13.99%	15.99%

Home Improvement Loan

Credit Rating	A APR*	B APR*	C APR*
4 year	9.25%	9.75%	11.75%
7 year	10.25%	10.75%	12.75%

New Autos & RVs

Credit Rating	A APR*	B APR*	C APR*	D APR*	E APR*
12 month	7.25%	7.75%	9.75%	11.75%	13.75%
24 month	8.25%	8.75%	10.75%	12.50%	14.75%
36 month	8.50%	9.00%	11.00%	13.00%	15.00%
48 month	8.70%	9.25%	11.25%	13.25%	15.25%
60 month	8.95%	9.45%	11.45%	n/a	n/a

*APR = Annual Percentage Rate
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Loan Rates are subject to change.

Loans	Rate	APR*	Term
New Auto (99)	5.900	5.900	36	Calculator
New Auto (99)	6.900	6.900	48	Calculator
New Auto (99)	7.900	7.900	60	Calculator
Newer Auto (95-98)	6.490	6.490	24	Calculator
Newer Auto (95-98)	7.490	7.490	36	Calculator
Newer Auto (95-98)	8.490	8.490	48	Calculator
Computer	12.500	12.500	24	Calculator
Personal Loan (<$2,000)	14.490	14.490	12	Calculator
Personal Loan (>$2,000)	11.240	11.240	36	Calculator
Visa Gold	11.490	11.490	n/a	Calculator
Visa Classic	12.900	12.900	n/a	Calculator

*APR = Annual Percentage Rate
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Mortgage Rates are subject to change.

1/1 Conforming ARM Conv. - up to $240,000

Rate	Points	APR*
8.375%	-1.00	8.763
8.250%	0.00	8.774%
8.125%	1.00	8.765%
8.000%	2	8.777%

30-Year Fixed Conforming - up to $240,000

Rate	Points	APR*
9.125%	0	8.928%
8.500%	0.250	8.553%
8.375%	0.500	8.482%
8.250%	0.875	8.396%
8.125%	1.375	8.326%

*APR = Annual Percentage Rate
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Savings Rates are subject to change.

Savings	Minimum Balance	Dividend/ Interest Rate	APY*	Term
Budget Savings	$0	2.520	2.520	n/a
Christmas Club	$500	2.725	2.725	n/a
Share Savings (up to $1000)	$0	1.250	1.260	n/a
Share Savings ($1000 - $4999)	$1000	1.500	1.510	n/a
Share Savings ($5000 - $9999)	$5000	2.250	2.270	n/a

*APY = Annual Percentage Yield
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Certificate Rates are subject to change.

Certificates	Minimum Deposit	Dividend/ Interest Rate	APY*	Term
Certificate	$500	4.000	4.060	3
Certificate	$500	4.200	4.260	6
Certificate	$500	4.760	4.850	12
Premium Certificate	$1000	4.420	4.490	3
Premium Certificate	$1000	5.100	5.190	6
Premium Certificate	$1000	5.630	5.750	12

*APY = Annual Percentage Yield
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