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	Rates Savings Rates Account Type APY* RATE Share Savings Account .50% .499% Share Draft Account .15% .15% HSA Account < $500 .25% .25% HSA Account $500 - $2,499 .75% .748% HSA Account $2,500 - $4,999 1.25% 1.243% HSA Account $5,000 - $14,999 1.75% 1.737% HSA Account $15,000 & Up 2.50% 2.472% Other Accounts (Holiday, Vacation, Fuel & Tax) .50% .499% Money Market Share Accounts - $1,000 - $19,999** 1.00% 0.995% Money Market Share Accounts - $20,000 & $34,999 1.25% 1.243% Money Market Share Accounts - $35,000 & Above 1.80% 1.785% All rates subject to change without notice. * Annual Percentage Yield ** The minimum deposit for all Market Share Accounts is $1,000. Term Share Certificate Rates Account type APY* RATE 3 Month Certificate 1.50% 1.49% 6 Month Certificate 1.50% 1.49% 12 Month Certificate 1.75% 1.74% 24 Month Certificate 2.10% 2.08% 36 Month Certificate 2.25% 2.23% IRA Shares/Payroll 1.00% 0.995% IRA Term Share ($500 Minimum) 1.50% 1.49% All rates subject to change without notice. The minimum deposit for all Term Share Certificates is $1,000. Penalties may be applied for early withdrawal. * Annual Percentage Yield Loan Rates ACCOUNT TYPE APR** TERM Payment/$1,000 Secured (auto, RV, motorcycle, etc.)- 24 months* 4.95% 24 months $43.86 Secured (auto, RV, motorcycle, etc.)- 36 months* 5.95% 36 months $30.41 Secured (auto, RV, motorcycle, etc.)- 48 months* 6.25% 48 months $23.61 Secured (auto, RV, motorcycle, etc.)- 60 months* 6.50% 60 months $19.57 Secured (auto, RV, motorcycle, etc.)- 72 months* 6.75% 72 months $16.94 Unsecured* 9.70% 48 months $25.23 Home Equity Line of Credit* Prime + 1.75% 180 months Call Home Equity Loan* 5.75% 36 months $7.91 VISA Cards- Platinum ($50 Annual Fee)^ Prime + 1% VISA Cards- Gold (No Annual Fee) 9.99% VISA Cards- Classic ($15 Annual Fee) 11.90% VISA Cards- Classic (No Annual fee) 13.90% Certificate Secured Cert. Rate + 3% Adj. Share Secured Share Rate + 3% Adj. Student Loans- Federal Stafford 6.80% Student Loans- Federal PLUS 8.50% Overdraft Protection 15.00% All rates subject to change without notice. * Rates "as low as" ** Annual Percentage Rate ^All rates subject to change without notice. ^ Mortgage Rates Other Rate* APR** Payment/$1,000 30 Year Cash Out Refi > 70% Loan To Value 5.000% 5.000% Call Adjustable Rate Mortgages- Up to 30 Years Call Call Call Land Loans- 10 Years- 1.5 Points 9.000% 9.355% Call VHFA- 30 Years^ Rate* APR** Payment/$1,000 0 Points 5.000% 5.049% Call Construction Loans- 18 Months Rate* APR** Payment/$1,000 .50 Point 5.750 X.XX Call 1.00 Point 5.500 X.XX Call 1.50 Points 5.250 X.XX Call Rates, terms and other product information are available upon request. Rates, programs and indices are subject to change without notice. Call about information about financing using "points." Points can lower your rate. Equal Housing Lender. * Rates "as low as" ** Annual Percentage Rate ^ Other VHFA Products available. VISA PLATINUM* VISA GOLD VISA CLASSIC Prime Rate + 1% (Floor of 7.25%) 9.99% APR 13.90% APR No Annual Fee No Annual Fee No Annual Fee or 11.90% APR $15 Annual Fee Credit Limit Credit Limit Credit Limit $5,000 - $15,000 $5,000 - $15,000 $500 - $5,000 Travel Insurance Travel Insurance Travel Insurance $250,000 $250,000 $150,000 *Platinum rate is variable at Prime + 1% and can change monthly Important Additional Disclosures

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