Rates subject to change without notice.

Checking Account Rates1
Effective as of 2009-10-30 07:39:34

APY = Annual Percentage Yield

Account Name Rate APY
NOW Checking 0.25% 0.25%
Club 55 NOW Checking 0.25% 0.25%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Direct Checking Rates1
Effective as of 2009-10-30 07:39:34

Account Name Rate APY
IC Direct Checking 1.25% 1.26%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Savings Account Rates1
Effective as of 2009-10-30 07:39:34

Account Name Rate APY
Statement Savings 0.40% 0.40%
Passbook Savings 0.40% 0.40%
Status One™ Savings 0.40% 0.40%
Youth Savings 0.40% 0.40%
Christmas Club Savings 0.40% 0.40%
IRA Savings
$50 - $9,999.99		 0.85% 0.85%
IRA Savings
$10,000 - $24,999.99		 1.15% 1.16%
IRA Savings
$25,000 - $49,999.99		 1.15% 1.16%
IRA Savings
$50,000 & over		 1.40% 1.41%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Direct Savings Rates1
Effective as of 2009-10-30 07:39:34

Account Name Daily Balance* Rate** APY
IC Direct Savings$50.00 - $4,999.99 1.35% 1.36%
IC Direct Savings$5,000.00 - $24,999.99 1.35% 1.36%
IC Direct Savings$25,000.00 - $49,999.99 1.35% 1.36%
IC Direct Savings$50,000.00 & over 1.35% 1.36%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest


Money Market Rates1,2
Effective as of 2009-10-30 07:39:34

Account Name Daily Balance Rate APY
Money Market Platinum$50.00 - $9,999.99 0.50% 0.50%
Money Market Platinum$10,000.00 - $24,999.99 .90% .90%
Money Market Platinum$25,000.00 - $49,999.99 1.30% 1.31%
Money Market Platinum$50,000.00 and over 1.40% 1.41%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Share Certificate Rates1,2
Effective as of 2009-10-30 07:39:34

 Min. Deposit $500
Account NameBase RateAPY
90-Day Term CD 1.05% 1.05%
Six-Month Term CD 1.40% 1.40%
One-Year Term CD 1.90% 1.92%
18-Month Term CD 2.15% 2.17%
Two-Year Term CD 2.50% 2.53%
Three-Year Term CD 2.75% 2.79%
Four-Year Term CD 3.00% 3.04%
Five-Year Term CD 3.20% 3.25%

New Vehicle Auto Loan Rates
Effective as of 2009-10-30 07:39:34

APR = Annual Percentage Rate

Model YearsTermAPRWith Auto PayPayment Per $1,000*
2010 & 2009 24 Months 5.24% 4.99% $43.87
36 Months 5.24% 4.99% $29.97
48 Months 5.24% 4.99% $23.02
60 Months 5.24% 4.99% $18.87
66 Months 5.24% 4.99% $17.36
$15K min 72 Months 6.24% 5.99% $16.57
$30K min 84 Months 7.50% 7.25% $15.22

*Payment per thousand is based on auto-pay rate


Used Vehicle Auto Loan Rates
Effective as of 2009-10-30 07:39:34

Model YearsTermAPRWith Auto PayPayment Per $1,000*
2009 & 2008 60 Months 5.49% 5.24% $18.98
2007 60 Months 5.50% 5.25% $18.99
2006 60 Months 6.24% 5.99% $19.33
2005 60 Months 6.50% 6.25% $19.45
2004 60 Months 6.74% 6.49% $19.56
2003 60 Months 6.74% 6.49% $19.56
2002 60 Months 7.24% 6.99% $19.80
2001 60 Months 7.50% 7.25% $19.92
2000 & Under 60 Months 9.24% 8.99% $20.75

*Payment per thousand is based on auto-pay rate


RVs, Boats, Motorcycle Loan Rates
Effective as of 2009-10-30 07:39:34

Loan TypeTermAPRWith Auto PayPayment Per $1,000*
Motorcycles - New 60 Months 9.24% 8.99% $20.75
Motorcycles - Used 48 Months 9.99% 9.74% $25.24
RVs - New
(2008-2010)		 144 Months
(Contact us
for other terms) 		9.24% 8.99% $11.37
RVs - Used
(2003-2009)		 120 Months
(Contact us
for other terms) 		9.24% 8.99% $12.66
Boats - New 144 Months 10.24% 9.99% $11.95
Boats - Used 120 Months 11.24% 10.99% $13.77

*Payment per thousand is based on auto-pay rate


Other Consumer Loan Rates
Effective as of 2009-10-30 07:39:34

Loan TypeTermAPRWith Auto PayPayment Per $1,000*
Single Pay 90 Days 14.50% N/A N/A
Energy Loan
$500 - $10,000		 up to 96 Months 9.990% N/A $15.17
Home Improvement
$500 - $10,000		 up to 180 Months 13.25% 13.00% $12.65
Personal Loans up to 48 months 13.24% as low as 12.99% $26.82
Smart Choice Loan 90 Days 14.50% N/A N/A
Smart Choice Line of Credit (Overdraft)   14.50% N/A N/A
Collateral Loan
3% above savings rate		       N/A

*Payment per thousand is based on auto-pay rate

Home Equity Rates
Effective as of 2009-10-30 07:39:34

APR = Annual Percentage Rate

Lines of Credit
80% Loan to Value & Under		 Term APR
$10,000 and Up 3.50% APR 6 Month Promo then Prime minus 1.00% APR For Life** see term
80% Loan to Value & Over Term APR
$10,000 and Up Prime plus 1.75% APR For Life** see term

Prime Rate
Effective as of 2008-12-17 09:37:39

Prime Rate
3.250%

Fixed Equity Rates*
Effective as of 2009-10-30 07:39:34

Term APR
1-5 Years 5.750%
6-10 Years 6.375%
11-15 Years 6.750%
16-20 Years 6.990%

All equity products have no points, no application fee and no pre-payment fee. However, a waiver of fees must be signed at the time of application. Refer to product description for value determination and appraisal requirements.

* Rates will be higher for LTV's over 80%

** Rate adjusted according the the prime rate published in the wall street journal last business day of the month. Minimum rate 5.00% maximum rate 18.00%

Fixed Rate Mortgages
Effective as of 2009-11-20 08:58:04

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APRPayment Per $1,000
05.500%5.532%$5.16
15.250%5.357%$4.99
25.000%5.180%$4.82

30 Year Mortgage

Points Interest Rate APR Payment Per $1,000
05.000%5.037%$5.37
14.750%4.874%$5.22
24.500%4.710%$5.07

20 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.875%4.925%$6.53
14.625%4.794%$6.39
24.500%4.789%$6.33

15 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.375%4.438%$7.59
14.250%4.463%$7.52
24.125%4.490%$7.46

10 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.250%4.340%$10.24
14.125%4.431%$10.18
24.000%4.524%$10.12

Interest First Mortgages
Effective as of 2009-11-20 08:58:04

15/15 Fixed

Points Interest Rate APRPayment Per $1,000
06.125%6.164%$6.08
15.875%6.008%$5.92
25.625%5.850%$5.78

10/20 Fixed

Points Interest Rate APRPayment Per $1,000
06.125%6.164%$6.08
15.875%6.008%5.92
25.625%5.850%$5.78

Interest Only Mortgages
Effective as of 2009-11-20 08:58:04

3/1 ARM (3 Year Int. only)

Points Interest Rate APRPayment Per $1,000
0N/A%N/A%N/A
1N/A%N/A%N/A
2N/A%N/A%N/A

3/1 ARM (10 Year Int. only)

Points Interest Rate APRPayment Per $1,000
04.125%3.398%$3.44
13.875%3.436%$3.23
23.625%3.474%$3.02

5/1 ARM (5 Year Int. only)

Points Interest Rate APRPayment Per $1,000
0N/A%N/A%N/A
1N/A%N/A%N/A
2N/A%N/A%N/A

5/1 ARM (10 Year Int. only)

Points Interest Rate APRPayment Per $1,000
04.875%3.705%$4.06
14.625%3.718%$3.85
24.375%3.732%$3.65

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2009-11-17 09:39:57

($100,000.00 minimum loan requirement)

30 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

20 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

15 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

10 Years

Interest Rate APRPayment Per $1,000
N/AN/AN/A

Adjustable Rate Mortgage
Effective as of 2009-11-20 08:56:04

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
7 Years5.000%3.921%.33%$5.37
5 Years4.750%3.671%.33%$5.22

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
3 Years4.000%3.376%.33%$4.77
1 Year3.500%3.256%.33%$4.49

* After the initial fixed period expires, rates are adjusted on a 1 year period.
** Rate listed is for No Point ARMs

Construction Loans
Effective as of 2009-11-20 08:58:04

(6 month construction period interest only)

30 Years

PointsInterest Rate APRPayment Per $1,000
05.250%5.369%$5.52
15.000%5.207%$5.37
24.750%5.045%$5.22

15 Years

PointsInterest Rate APRPayment Per $1,000
04.625%4.825%$7.71
14.375%4.727%$7.59
24.125%4.628%$7.46

Fixed Rate Investment Properties
Effective as of 2009-11-17 09:39:57

30 Years

Interest Rate APRPayment Per $1,000
5.125%5.162%$5.44

15 Years

Interest Rate APRPayment Per $1,000
4.500%4.563%$7.65

1-2 family purchase 20% down payment required
3-4 family purchase 25% down payment required

Other fees may be applicable

Prime Rate
Effective as of 2008-12-17 09:37:39

Prime Rate

3.250%


1 Fees may reduce earnings on applicable accounts
2 A penalty may be assessed for early withdrawal