Interest Rates current as of May 1, 2008
(Interest Rates Subject to Change Daily)*

Click on the links below to find out more about each Account's Interest Rates.
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General Loans

General Loans Minimize Type of Loan Rate Commercial Loan 7.75% Secured Commercial Loan* 7.25% Commercial Business Line of Credit 6.00% Secured Commercial Business Line of Credit 5.00% Construction Line of Credit 6.50% Full Time Farmer Loans 8.25% 36 Month New Car Loans 5.95% 48 Month New Car Loans 6.25% 60 Month New Car Loans 6.65% Late Model Used Car Loans** Less than 60 Months 6.95% Late Model Used Car Loans*** 7.75% Used Cars/Titled Recreational Vehicles 9.95% Consumer Loans 11.95% Home Improvement Loans 8.75%

Mortgage Loans (Owner Occupied Residential)

Mortgage Loans (Owner Occupied Residential) Minimize Term Rate Points 15 Years 5.95% +0 Point 20 Years 6.15% +0 Point 25 Years 6.35% +0 Point 30 Years 6.65% +0 Point

Home Equity Loans

Home Equity Loans Minimize Type of Loan Rate Home Equity Line of Credit 6.25%

Investment & Commercial Property

Investment & Commercial Property Minimize Term Rate Points 10 Years 6.75% +0 Point 15 Years 6.95% +0 Point

2nd Mortgages

2nd Mortgages Minimize Type of Loan Rate 2nd Mortgages 6.95%

Any Loan Less Than $1,000

Any Loan Less Than $1,000 Minimize Loans Less Than $1,000 18.50%

* Interest rates and annual percentage yields (APY) indicated are accurate today only and are subject to change daily.

** Late model used car loans - 3 Years or less
*** Late model used car loans - 5 Years or more
Annual percentage rate may be affected by closing costs.

Money Market C.D.'s - 3.00% over rate on C.D. - Term to maturity on C.D.