sHARES

Regular Share Account
Dividends paid quarterly

$0 – $3000 at 0.10% rate 0.10% APY*
$3001 – $9,999 at 0.10% rate 0.10% APY*
Above $10,000 at 0.10% rate 0.10% APY*

Christmas Club Account
Dividends paid annually on 31 Oct
Account withdrawal only on 1 Nov. annually
0.10% rate – 0.10% APY*

Super Share Account
Dividends paid monthly
Minimum $2500 deposit

$0 – $2499 at 0.0% rate 0.0% APY*
$2500 – $9,999 at 0.45% rate 0.45% APY*
$10,000 – $49,999 at 0.55% rate 0.55% APY*
$50,000 – $99,999 at 0.75% rate 0.75% APY* 

$100,000 –   at 0.95% rate  0.95% APY*

SHARES CERTIFICATES OF DEPOSIT

6 Month: 0.75 – 1.05% rate / APY*
minimum $500 deposit
12 Month: 1.00 – 1.30% rate / APY*
minimum $1000 deposit

$10,000 – $49,999 + 0.10%
$50,000 – $99,999 + 0.20%
$100,000 + 0.30% to rate

24 Month: 1.40 – 1.70% rate / APY*
minimum $2000 deposit
36 Month: 1.80 – 2.10% rate / APY*
minimum $2500 deposit

$10,000 – $49,999 + 0.10%
$50,000 – $99,999 + 0.20%
$100,000 + 0.30% to rate

Loan Type / Description       Loan Rate

L1  Commercial Revolving       7.75 – 11.75%
L2  Vehicles                                5.25 – 14.25%
L3  Consumer Secured             5.50 – 14.50%
L4 Consumer Unsecured         15.0%
L5 Livestock                                6.70 – 10.70%
L6 Farm Equipment                  6.70 – 10.70%
L7 Farm Operating                    7.75 – 11.75%
L8 Real Estate                            6.54 – 10.54%
L9 Mobile Home                        7.56 – 16.56%
L10 Real Estate                           6.07 – 15.07%

L11 Commercial                         6.70 – 10.70%
L12 Promotional                        13.50 – 25.50%
Shared Secured                         2.0% above rate
                                                  of secured shares