NEW VEHICLES
1.49% - 24 MONTHS
1.99% - 36 MONTHS
2.49% - 48 MONTHS

2.99% - 60 MONTHS
2.99% - 72 MONTHS

1 - 2 YEAR OLD VEHICLES
3.49% - 66 MONTHS

3 - 4 YEAR OLD VEHICLES
3.49% - 60 MONTHS

5 - 6 YEAR OLD VEHICLES
3.49% - 54 MONTHS

7 - 9 YEAR OLD VEHICLES
3.49% - 48 MONTHS

MOTORCYCLE, BOAT, CAMPER, R.V., ETC.
NEW  - 4.49% - 72 MONTHS
USED - 4.99% - 60 MONTHS

EQUITY REAL ESTATE

SHARE SECURED
4.99% * - TO 36 MONTHS
4.99% * - TO 60 MONTHS
*Rate must be at least 2% above APY received on secured account.

FURNITURE, COMPUTERS AND OTHER SECURED
5.49%

MASTERCARD
11.99%

Public Employees MasterCard program offers a low 11.99% non-variable rate of interest, no annual fee and a 25 day finance charge grace period on purchases.  Cash advance finance charges start on the date of advance and a $2.00 fee is assessed.  We use the average daily balance method of computing finance charges with a minimnum of $0.50.  A $10.00 fee is assessed for late payments and returned checks.  No other fees apply.

SIGNATURE
12.99%

Loan rates stated are annual percentage rates.  Loans that encompass more than one category will receive a weighted average rate.  Rates based on qualifying credit.