Rates

These rates were paid 9/30/09. They are not guaranteed for 12/31/09.

Regular Shares (Savings)

IRA Accounts

APR

APY

APR

APY

Under $500.00

0.000%

0.000%

0.000%

0.000%

$500—$4,999.99

1.000%

1.004%

1.500%

1.508%

$5,000—$9,999.99

1.250%

1.256%

1.700%

1.711%

$10,000—$24,999.99

1.500%

1.508%

1.900%

1.914%

$25,000—$49,999.99

1.750%

1.762%

2.100%

2.117%

$50,000 Up

2.000%

2.015%

2.250%

2.273%

Savings Rates

Christmas Club Accounts
$100 Up
0.500% APR / 0.501% APY

Share Draft (Checking) Accounts
$5,000 Up
0.500% APR / 0.501% APY

Rates are computed based on the average monthly account balance. Dividends are posted quarterly for shares and IRAs, monthly for share drafts.

Home Equity Loan Application Fees:

· $50 if loan is $40,000 +

· $150 if loan is $20,000—39,999

· $250 if loan is under $20,000

(No fees will apply for balloon rewrites where no new money is loaned.)

Click here for details on how to apply, forms, and loan policies.

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Services

Rates

Loan Rates

Paying off credit cards? Special LOWER rates may apply! Call us at (570) 825-8150 for details.

Signature Loans ($1,000—$2,000,
all terms)

9.00%

Signature Loans (Over $2,000)

12 months
24 months
36 months
48 months
60 months

7.50%
8.50%
9.50%
10.50%
11.50%

Vehicle Loans (2010, 2009, 2008)

24 months
36 months
48 months
60 months

Available with Mileage Under 15,000:
72 months with 36 month balloon
72 months fixed

Available for $25,000+ Loans on
Current Model Year:
84 months with 42 month balloon
84 months fixed

3.90%
3.90%
4.90%
5.25%

4.50%
5.50%

4.90%
5.75%

Vehicle Loans (2007, 2006, 2005)

36 months
48 months
60 months (only for loan of $15,000+)

4.90%
5.25%
5.50%

Vehicle Loans (2004, 2003, 2002)

36 months
48 months

5.50%
5.90%

100% Share Secured Loans

24 months
36 months
72 months*
*with 36 month balloon
48 months
84 months**
**with 42 month balloon
60 months
72 months fixed
84 months fixed

3.90%
3.90%
4.50%

4.90%
4.90%

5.25%
5.50%
5.75%

50% Share
Secured Loans

36 months
($1,000—2,500)
48 months
($2,501—4,000)
60 months
($4,001 +)

7.50%

8.00%

8.50%

Home Equity Loans
(Minimum of $10,000)

Fixed:
36 months
48 months
60 months
72 months
84 months

72 months with 3 year balloon
108 months with 3 year balloon
144 months with 3 year balloon

96 months with 4 year balloon
144 months with 4 year balloon

120 months with 5 year balloon
180 months with 5 year balloon

144 months with 6 year balloon

168 months with 7 year balloon

4.50%
4.90%
5.25%
5.50%
5.75%

4.90%
4.90%
5.15%

5.15%
5.40%

5.40%
5.50%

5.65%

5.75%

These rates were paid 6/30/10. They are not guaranteed for 9/30/10.	Regular Shares (Savings)		IRA Accounts
	APR	APY	APR	APY
Under $500.00	0.000%	0.000%	0.000%	0.000%
$500—$4,999.99	0.500%	0.501%	1.000%	1.004%
$5,000—$9,999.99	1.000%	1.004%	1.200%	1.205%
$10,000—$24,999.99	1.200%	1.205%	1.400%	1.407%
$25,000—$49,999.99	1.350%	1.357%	1.500%	1.508%
$50,000 Up	1.450%	1.458%	1.600%	1.610%