LOAN INTEREST RATES (Effective January 23, 2012)

Auto Loan Rates   Type Amount Down 24 Months 36 Months 48 Months 60 Months New Auto (2011, 2012, and newwer model years with 20,000 miles or less) *** 72 months available on new vehicles***Loan amount > $15,000 (10% down payment)3.50% apr     20% 2.90% 2.90% 2.90% 2.90% 0% 3.20% 3.20% 3.20% 3.20%           Used Auto (2008, 2009 and 2010) 20% 3.15% 3.15% 3.15% 3.40% 0% 3.40% 3.40% 3.40% 3.65%           Used Auto (2006 and 2007) **2005 & older models call CU for rates 20% 4.65% 4.65% 4.65%   4.90%   0% 4.90% 4.90% 4.90% 5.15%

Other Loans  Type Term Rate Recreational Vehicle Loan Up to 72 Months 6.50% Signature Loan One year payback 10.00% Three years payback 15.50% Share Secured Loan (2% above Share Saving rate)  — 2.25% Home Improvement Loan Up to 60 Months 7.00% 61 to 120 Months 8.00% Home Equity Loan Up to 5 Years 5.00% 5 to 10 Years 5.50%

SHARE DIVIDEND RATES (Effective January 1, 2012)

Accounts  Type Minimum Balance* Share Dividends Annual Percentage Yield Share Drafts $0 .10% .10% Regular Shares $50.00 .25% .25% IRA $100.00 .60% .60% *Dividends accrue for all days that the minimum balance requirements are met.