Rates subject to change without notice.

Checking Account Rates1
Effective as of 2008-07-01 08:39:16

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 2008-07-01 08:39:16

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 2008-07-01 08:39:16

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 2008-07-01 08:39:16

Account Name Daily Balance* Rate** APY
IC Direct Savings$50.00 - $4,999.99 2.320% 2.350%
IC Direct Savings$5,000.00 - $24,999.99 2.320% 2.350%
IC Direct Savings$25,000.00 - $49,999.99 2.320% 2.350%
IC Direct Savings$50,000.00 & over 2.320% 2.350%

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


Money Market Rates1,2
Effective as of 2008-07-01 08:39:16

Account Name Daily Balance Rate APY
Money Market Platinum$50.00 - $24,999.99 0.50% 0.50%
Money Market Platinum$25,000.00 - $49,999.99 1.00% 1.01%
Money Market Platinum$50,000.00 - $74,999.99 1.90% 1.92%
Money Market Platinum$75,000.00 and over 2.20% 2.22%

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

Share Certificate Rates1,2
Effective as of 2008-07-01 08:39:16

 Min. Deposit $1000Min. Deposit $5000
Account NameBase RateAPYBase RateAPY
3-7 Month Special 2.60% 2.60% 2.60% 2.60%
90-Day Term CD 2.60% 2.62% 2.60% 2.62%
Six-Month Term CD 2.70% 2.72% 2.70% 2.72%
One-Year Term CD 3.40% 3.46% 3.40% 3.46%
18-Month Term CD 3.60% 3.66% 3.60% 3.66%
Two-Year Term CD 3.65% 3.72% 3.65% 3.72%
Three-Year Term CD 3.80% 3.87% 3.80% 3.87%
Four-Year Term CD 3.75% 3.82% 3.75% 3.82%
Five-Year Term CD 3.50% 3.56% 3.50% 3.56%
Peace of Mind CD† 3.50% 3.56% 3.50% 3.56%

†Minimum opening deposit for Peace of Mind CD is $2,500.00 and the term is 27 months.

New Vehicle Auto Loan Rates
Effective as of 2008-07-01 08:39:16

APR = Annual Percentage Rate

Model YearsTermAPRWith Auto Pay
2008 & 2007 24 Months 5.24% 4.99%
  36 Months 5.24% 4.99%
  48 Months 5.24% 4.99%
  60 Months 5.50% 5.25%
  66 Months 6.24% 5.99%
  72 Months* 6.24% 5.99%
84 Months* 7.24% 6.99%

* Minimum $20K


Used Vehicle Auto Loan Rates
Effective as of 2008-07-01 08:39:16

Model YearsTermAPRWith Auto Pay
2008 & 2007 60 Months 5.50% 5.25%
2006 & 2005 60 Months 5.50% 5.25%
2004 60 Months 5.50% 5.25%
2003 60 Months 6.75% 6.50%
2002 60 Months 5.75% 5.50%
2001 60 Months 6.50% 6.25%
2000 60 Months 7.99% 7.74%
1999 & Under 60 Months 8.99% 8.74%

RVs, Boats, Motorcycle Loan Rates
Effective as of 2008-07-01 08:39:16

Loan TypeTermAPRWith Auto Pay
Motorcycles - New 60 Months 9.24% 8.99%
Motorcycles - Used 48 Months 9.99% 9.74%
RVs - New
(2006-2008)		 144 Months
(Contact us
for other terms) 		8.75% 8.50%
RVs - Used
(2003-2007)		 120 Months
(Contact us
for other terms) 		9.24% 8.99%
Boats - New 144 Months 10.24% 9.99%
Boats - Used 120 Months 11.24% 10.99%

Other Consumer Loan Rates
Effective as of 2008-07-01 08:39:16

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

Home Equity Rates
Effective as of 2008-07-01 08:39:16

APR = Annual Percentage Rate

Lines of Credit
80% Loan to Value & Under		 Term APR
$10,000 and Up 3.50% 6 Month Promo then Prime minus 1.00% For Life see term
80% Loan to Value & Over Term APR
$10,000 and Up 3.50% 6 Month Promo then Prime plus 1.75% For Life see term
Expanded Approval Lifetime Equity
Prime Plus 3.75% for Life

IC will pay insurance premium for PMI on 95% lines of credit.

Prime Rate
Effective as of 2008-05-02 17:13:00

Prime Rate
5.000%

Fixed Equity Rates
Effective as of 2008-07-01 08:39:16

Term APR
1-5 Years 5.250%
6-10 Years 5.990%
11-15 Years 6.500%
16-20 Years 6.990%

Borrower to pay PMI premium on fixed rate loans over 80% Loan to Value.

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.

Fixed Rate Mortgages
Effective as of 2008-07-03 11:34:35

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APR
06.875%6.911%
16.625%6.744%
26.375%6.576%

30 Year Mortgage

Points Interest Rate APR
06.500%6.540%
16.250%6.386%
26.000%6.230%

20 Year Mortgage

Points Interest Rate APR
06.500%6.553%
16.250%6.430%
26.000%6.306%

15 Year Mortgage

Points Interest Rate APR
06.125%6.191%
15.875%6.098%
25.625%6.005%

10 Year Mortgage

Points Interest Rate APR
05.875%5.968%
15.625%5.940%
25.375%5.913%

Interest First Mortgages
Effective as of 2008-07-03 11:34:35

15/15 Fixed

Points Interest Rate APR
07.000%7.042%
16.750%6.890%
26.500%6.737%

10/20 Fixed

Points Interest Rate APR
06.875%6.916%
16.625%6.764%
26.375%6.610%

Interest Only Mortgages
Effective as of 2008-07-03 11:34:35

3/1 ARM (3 Year Int. only)

Points Interest Rate APR
05.750%5.475%
15.500%5.504%
25.250%5.535%

3/1 ARM (10 Year Int. only)

Points Interest Rate APR
05.750%5.475%
15.500%5.504%
25.250%5.535%

5/1 ARM (5 Year Int. only)

Points Interest Rate APR
06.500%5.826%
16.250%5.822%
26.000%5.818%

5/1 ARM (10 Year Int. only)

Points Interest Rate APR
06.500%5.826%
16.250%5.822%
26.000%5.818%

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2008-07-03 11:02:32

($100,000.00 minimum loan requirement)

30 Years

Interest Rate APR
7.000%7.000%

20 Years

Interest Rate APR
7.000%7.000%

15 Years

Interest Rate APR
6.625%6.625%

10 Years

Interest Rate APR
6.375%6.375%

Adjustable Rate Mortgage
Effective as of 2008-07-03 10:59:33

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndex
7 Years6.000%5.709%2.46%
5 Years5.750%5.532%2.46%

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndex
3 Years5.375%5.382%2.46%
1 Year4.375%5.290%2.46%

* 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 2008-07-03 11:34:35

(6 month construction period interest only based on prime rate.)

30 Years

PointsInterest Rate APR
06.750%6.880%
16.500%6.727%
26.250%6.573%

15 Years

PointsInterest Rate APR
06.375%6.585%
16.125%6.495%
25.875%6.404%

Fixed Rate Investment Properties
Effective as of 2008-07-03 11:02:32

30 Years

Interest Rate APR
7.250%7.292%

15 Years

Interest Rate APR
7.000%7.068%

1-2 Family 10% down with 3 points
3-4 Family 25% down with 2 points

Prime Rate
Effective as of 2008-05-02 17:13:00

Prime Rate

5.000%


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