Rates subject to change without notice.

Checking Account Rates1
Effective as of 2009-07-03 07:49:17

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 2009-07-03 07:49:17

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 2009-07-03 07:49:17

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 2009-07-03 07:49:17

Account Name Daily Balance* Rate** APY
IC Direct Savings$50.00 - $4,999.99 1.70% 1.71%
IC Direct Savings$5,000.00 - $24,999.99 1.70% 1.71%
IC Direct Savings$25,000.00 - $49,999.99 1.70% 1.71%
IC Direct Savings$50,000.00 & over 1.70% 1.71%

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


Money Market Rates1,2
Effective as of 2009-07-03 07:49:17

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 1.00% 1.01%
Money Market Platinum$25,000.00 - $49,999.99 1.30% 1.31%
Money Market Platinum$50,000.00 and over 1.80% 1.82%

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

Share Certificate Rates1,2
Effective as of 2009-07-03 07:49:17

 Min. Deposit $500
Account NameBase RateAPY
90-Day Term CD 1.20% 1.20%
Six-Month Term CD 1.50% 1.50%
One-Year Term CD 1.90% 1.92%
18-Month Term CD 2.30% 2.33%
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 2009-07-03 07:49:17

APR = Annual Percentage Rate

Model YearsTermAPRWith Auto Pay
2010 & 2009 24 Months 5.24% 4.99%
36 Months 5.24% 4.99%
48 Months 5.24% 4.99%
60 Months 5.24% 4.99%
66 Months 5.24% 4.99%
$15K min 72 Months 6.24% 5.99%
$30K min 84 Months 7.50% 7.25%

Used Vehicle Auto Loan Rates
Effective as of 2009-07-03 07:49:17

Model YearsTermAPRWith Auto Pay
2009 & 2008 60 Months 5.49% 5.24%
2007 60 Months 5.50% 5.25%
2006 60 Months 6.24% 5.99%
2005 60 Months 6.50% 6.25%
2004 60 Months 6.74% 6.49%
2003 60 Months 6.74% 6.49%
2002 60 Months 7.24% 6.99%
2001 60 Months 7.50% 7.25%
2000 & Under 60 Months 9.24% 8.99%

RVs, Boats, Motorcycle Loan Rates
Effective as of 2009-07-03 07:49:17

Loan TypeTermAPRWith Auto Pay
Motorcycles - New 60 Months 9.24% 8.99%
Motorcycles - Used 48 Months 9.99% 9.74%
RVs - New
(2008-2010)		 144 Months
(Contact us
for other terms) 		9.24% 8.99%
RVs - Used
(2003-2009)		 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 2009-07-03 07:49:17

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 2009-07-03 07:49:17

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 2009-07-03 07:49:17

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 2009-07-02 08:39:48

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APR
06.000%6.033%
15.750%5.861%
25.500%5.687%

30 Year Mortgage

Points Interest Rate APR
05.500%5.538%
15.250%5.378%
25.000%5.216%

20 Year Mortgage

Points Interest Rate APR
05.500%5.551%
15.125%5.297%
24.875%5.168%

15 Year Mortgage

Points Interest Rate APR
04.875%4.939%
14.625%4.840%
24.500%4.868%

10 Year Mortgage

Points Interest Rate APR
04.625%4.716%
14.500%4.808%
24.375%4.903%

Interest First Mortgages
Effective as of 2009-07-02 08:39:48

15/15 Fixed

Points Interest Rate APR
0N/A%N/A%
1N/A%N/A%
2N/A%N/A%

10/20 Fixed

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

Interest Only Mortgages
Effective as of 2009-07-02 08:39:48

3/1 ARM (3 Year Int. only)

Points Interest Rate APR
0N/A%N/A%
1N/A%N/A%
2N/A%N/A%

3/1 ARM (10 Year Int. only)

Points Interest Rate APR
05.125%3.691%
14.875%3.731%
24.625%3.772%

5/1 ARM (5 Year Int. only)

Points Interest Rate APR
0N/A%N/A%
1N/A%N/A%
2N/A%N/A%

5/1 ARM (10 Year Int. only)

Points Interest Rate APR
05.875%4.083%
15.625%4.100%
25.375%4.117%

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2009-07-02 08:36:09

($100,000.00 minimum loan requirement)

30 Years

Interest Rate APR
N/AN/A

20 Years

Interest Rate APR
N/AN/A

15 Years

Interest Rate APR
N/AN/A

10 Years

Interest Rate APR
N/AN/A

Adjustable Rate Mortgage
Effective as of 2009-07-02 08:35:48

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndex
7 Years6.000%4.381%.48%
5 Years5.750%4.050%.48%

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndex
3 Years5.000%3.670%.48%
1 Year4.750%3.471%.48%

* 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 2009-07-02 08:39:48

(6 month construction period interest only)

30 Years

PointsInterest Rate APR
05.750%5.872%
15.500%5.714%
25.250%5.554%

15 Years

PointsInterest Rate APR
05.125%5.328%
14.875%5.232%
24.625%5.136%

Fixed Rate Investment Properties
Effective as of 2009-07-02 08:36:09

30 Years

Interest Rate APR
5.625%5.663%

15 Years

Interest Rate APR
5.000%5.064%

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