Rates effective as of 01/21/10
Residential Mortgage Loans
Type    Term    Rate    APR    Points    Down Payment
Fixed Rate Mortgage    15 Year    Please call (269) 427-7941 or visit our office for rates and terms         
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Balloon Mortgage    5 years - may be amortized up to 30 years    Please call (269) 427-7941 or visit our office for rates and terms         
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Mobile Home Loans       Please call (269) 427-7941 or visit our office for rates and terms         
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Consumer Installment Loan Rate
Type    Model Year    Term    Rate    APR
Auto Loans    Please call (269) 427-7941 or visit our office for rates and terms         
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Personal Loans (secured)    Please call (269) 427-7941 or visit our office for rates and terms         
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Personal Loans (unsecured)    Please call (269) 427-7941 or visit our office for rates and terms         
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Home Equity Lines of Credit
Type    Loan To Value    Term    Rate    APR
Home Equity Lines of Credit are currently not offered            
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Deposit Rates
Type    APY
~~~CERTIFICATES OF DEPOSIT~~~   
91 Day Certificate of Deposit.........................................................................................................................    .50%
182 Day Certificate of Deposit........................................................................................................................    .75%
12 Month Certificate of Deposit .....................................................................................................................    1.51%
18 Month Certificate of Deposit......................................................................................................................    1.77%
24 Month Certificate of Deposit.............................................................................................................    1.77%
30 Month Certificate of Deposit......................................................................................................................    2.02%
36 Month Certificate of Deposit......................................................................................................................    2.53%
60 Month Certificate of Deposit......................................................................................................................    3.05%
^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^   
~~~INDIVIDUAL RETIREMENT ACCOUNTS~~~   
18 Month Variable Rate IRA...........................................................................................................................    2.02%
30 Month Fixed Rate IRA..............................................................................................................................    2.53%
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~~~SAVINGS ACCOUNTS~~~   
Passbook Savings Account.............................................................................................................................    .75%
Statement Savings Account...........................................................................................................................    .75%
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~~~TRANSACTION ACCOUNTS~~~   
NOW Account............................................................................................................................................    .25%
Super NOW Account....................................................................................................................................    .25%
Money Market Account.................................................................................................................................    .25%
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* APY = Annual Percentage Yield   
 
*Interest is compounded daily on all interest bearing deposit accounts. Rates are subject to change without notice. Fees may reduce earnings. Penalty for early withdrawal.
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