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personal Loan Rates
Effective May 8, 2008
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| Home Equity | APR | Maximum Amount |
Maximum Term |
Maximum L-T-V |
Monthly Payment per $1,000 |
| Line of Credit* | 5.000% | N/A | 20 yrs.** | 80% | $4.17 |
| Home Equity Loan | 6.000% | N/A | 5 yrs. | 80% | $19.33 |
| 6.250% | N/A | 10 yrs. | 80% | $11.23 | |
| 6.500% | N/A | 15 yrs. | 80% | $8.71 | |
| Home Improvement Loan | 11.000% | $10,000 | 7 yrs. | N/A | $17.12 |
*For lines of credit, the Annual Percentage Rate (APR) is variable and can change monthly, the maximum APR is 18% and there is a $20 annual fee. Property insurance is required for all home equity products.
**Indicates a 10 year draw period during which the minimum payment is equal to the interest accrued.
| Loan | Term | APR | Down Payment |
Monthly Payment per $1,000 |
| New Vehicle | ||||
| 2008 | 60 mo. | 6.750% | 10% | $19.68 |
| with Checking & Autopayment | 60 mo. | 6.500% | 10% | $19.57 |
| Used Vehicle | ||||
| 2005-2007 | 48 mo. | 7.000% | 20% | $23.95 |
| with Checking & Autopayment | 48 mo. | 6.750% | 20% | $23.83 |

An
Equal Housing Lender