Rates subject to change without notice.

Checking Account Rates1
Effective as of 2010-07-28 07:58:15

APY = Annual Percentage Yield

Account Name Rate APY
All Together Now Checking 0.35% 0.35%
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 2010-07-28 07:58:15

Account Name Rate APY
IC Direct Checking 0.90% 0.90%

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

Savings Account Rates1
Effective as of 2010-07-28 07:58:15

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 2010-07-28 07:58:15

Account Name Daily Balance* Rate** APY
IC Direct Savings$50.00 - $4,999.99 1.00% 1.01%
IC Direct Savings$5,000.00 - $24,999.99 1.00% 1.01%
IC Direct Savings$25,000.00 - $49,999.99 1.00% 1.01%
IC Direct Savings$50,000.00 & over 1.00% 1.01%

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


Money Market Rates1,2
Effective as of 2010-07-28 07:58:15

Account Name Daily Balance Rate APY
Money Market Platinum$50.00 - $9,999.99 0.40% 0.40%
Money Market Platinum$10,000.00 - $24,999.99 0.75% 0.75%
Money Market Platinum$25,000.00 - $49,999.99 0.90% 0.90%
Money Market Platinum$50,000.00 and over 1.00% 1.01%

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

Share Certificate Rates1,2
Effective as of 2010-07-28 07:58:15

 Min. Deposit $500
Account NameBase RateAPY
90-Day Term CD 0.80% 0.80%
Six-Month Term CD 1.00% 1.00%
One-Year Term CD 1.09% 1.10%
18-Month Term CD 1.49% 1.50%
Two-Year Term CD 1.73% 1.74%
Three-Year Term CD 2.27% 2.29%
Four-Year Term CD 2.71% 2.74%
Five-Year Term CD 2.96% 3.00%

New Vehicle Auto Loan Rates
Effective as of 2010-07-28 07:58:15

APR = Annual Percentage Rate

Model YearsTermAPRWith Auto PayPayment Per $1,000*
2011 & 2010 24 Months 2.75% 2.75% $42.88
36 Months 2.75% 2.75% $28.98
48 Months 2.75% 2.75% $22.03
60 Months 2.75% 2.75% $17.86
66 Months 3.99% 3.99% $16.90
$15K min 72 Months 3.99% 3.99% $15.65
$30K min 84 Months 6.75% 6.50% $14.85

*Payment per thousand is based on auto-pay rate


Used Vehicle Auto Loan Rates
Effective as of 2010-07-28 07:58:15

Model YearsTermAPRWith Auto PayPayment Per $1,000*
2010 & 2009 60 Months 2.75% 2.75% $17.86
2008 60 Months 2.75% 2.75% $17.86
2007 60 Months 2.75% 2.75% $17.86
2006 60 Months 5.24% 4.99% $18.87
2005 60 Months 6.74% 6.49% $19.57
2004 60 Months 6.74% 6.49% $19.57
2003 60 Months 7.24% 6.99% $19.80
2002 60 Months 7.50% 7.25% $19.92
2001 & Under 60 Months 9.24% 8.99% $20.76

*Payment per thousand is based on auto-pay rate


RVs, Boats, Motorcycle Loan Rates
Effective as of 2010-07-28 07:58:15

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
(2009-2011)		 144 Months
(Contact us
for other terms) 		9.24% 8.99% $11.37
RVs - Used
(2004-2010)		 144 Months
(Contact us
for other terms) 		9.24% 8.99% $11.37
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 2010-07-28 07:58:15

Loan TypeTermAPRWith Auto PayPayment Per $1,000*
Single Pay 90 Days 14.50% N/A N/A
Home Improvement
$500 - $10,000		 up to 144 Months 13.25% 13.00% $13.75
Personal Loans up to 48 months 14.50% as low as 14.25% $27.46
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 2010-07-28 07:58:15

APR = Annual Percentage Rate

Lines of Credit
80% Loan to Value & Under		 Term APR
$10,000 and Up 2.99% 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 2.99% APR 6 Month Promo then 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 2010-07-28 07:58:15

Term APR
1-5 Years 3.990%
6-10 Years 5.500%
11-15 Years 5.990%
16-20 Years 6.500%

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 2010-07-29 09:29:12

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.875%4.905%$4.74
14.625%4.726%$4.58
24.375%4.546%$4.42

30 Year Mortgage

Points Interest Rate APR Payment Per $1,000
04.375%4.411%$4.99
14.125%4.245%$4.85
24.000%4.204%$4.77

20 Year Mortgage

Points Interest Rate APRPayment Per $1,000
04.250%4.299%$6.19
14.125%4.291%$6.13
24.000%4.283%$6.06

15 Year Mortgage

Points Interest Rate APRPayment Per $1,000
03.875%3.937%$7.33
13.750%3.960%$7.27
23.625%3.984%$7.21

10 Year Mortgage

Points Interest Rate APRPayment Per $1,000
03.750%3.839%$10.01
13.625%3.928%$9.95
23.500%4.019%$9.89

Interest First Mortgages
Effective as of 2010-07-29 09:29:12

15/15 Fixed

Points Interest Rate APRPayment Per $1,000
05.625%5.663%$5.78
15.375%5.504%$5.60
25.125%5.343%$5.44

10/20 Fixed

Points Interest Rate APRPayment Per $1,000
05.625%5.663%$5.78
15.375%5.504%$5.60
25.125%5.343%$5.44

Interest Only Mortgages
Effective as of 2010-07-29 09:29:12

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
03.125%3.175%$2.60
12.875%3.210%$2.40
22.625%3.246%$2.19

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
03.875%3.385%$3.23
13.625%3.395%$3.02
23.375%3.405%$2.81

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2010-07-16 08:22:26

($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 2010-07-29 09:26:05

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
7 Years4.125%3.554%.27$4.85
5 Years3.875%3.385%.27$4.70

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndexPayment Per $1,000
3 Years3.000%3.153%.27$4.22
1 Year2.500%3.139%.27$3.95

* 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 2010-07-29 09:29:12

(6 month construction period interest only)

30 Years

PointsInterest Rate APRPayment Per $1,000
04.625%4.739%$5.14
14.375%4.575%$4.99
24.125%4.409%$4.85

15 Years

PointsInterest Rate APRPayment Per $1,000
04.125%4.322%$7.46
13.875%4.222%$7.33
23.625%4.121%$7.21

Fixed Rate Investment Properties
Effective as of 2010-07-16 08:22:26

30 Years

Interest Rate APRPayment Per $1,000
4.500%4.536%$5.07

15 Years

Interest Rate APRPayment Per $1,000
4.000%4.062%$7.40

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

A $150 Mortgage Application fee may apply. 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