SHARE CERTIFICATES
TERM		RATE
6 months		0.7%
12 months		0.8%
18 months		0.9%
24 months		1.0%
36 months		1.2%
60 months		1.4%
Early withdrawal penalties apply to above Share Certificates

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PROPOSED RATES ON SHARE AND CHECKING ACCOUNTS
ACCOUNT	AMOUNT	RATE	APY
Share	$500-$1000	0.25%	0.26%
	Over $1000	0.35%	0.52%
Checking	$500-$1000	0.25%	0.26%
	Over $1000	0.35%	0.52%
All rates are subject to change without notice

SHARE LOANS
TERM		RATE
12 - 60 months		2.25%

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CERTIFICATE LOANS
TERM		RATE
60 months maximum		2.25% over CD rate

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PERSONAL LOANS
TERM		RATE
Up to 60 months		14.9% APR

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MOTOR VEHICLE LOANS (AUTOMOBILES & LIGHT TRUCKS)
NEW CAR LOAN
TERM		RATE
72 months		Starting at 2.5%
USED CAR LOAN
TERM		RATE
60 months		Starting at 3.6%

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MORTGAGE RATES
First Mortgage 5 Year Balloon
TERM		RATE
60 months		Starting at 3.0%