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
5.99%

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.