Loan Programs and Rates
Personal/Signature

Annual Percentage Rate:	11.0% to 14.0%
Amount: Minimum	$300
Maximum	$10,000
Terms:	Up to 60-months

Fas-Check Line of Credit

Annual Percentage Rate:	11.0% to 12.0%
Amount: Minimum	$300
Maximum	$5,000
Terms:	Up to 36-months

New Cars/ Trucks/ Vans/ Motorcycles

Down payment	APR	Term
-0-	6.00%	24-months
-0-	6.00%	36-months
-0-	6.25%	48-months
-0-	6.50%	60-months

Used Cars/ Trucks/ Vans/ Motorcycles

Down payment	APR	Term
-0-	6.00%	36-months
-0-	6.25%	48-months
-0-	6.50%	60-months

Used Luxury/ Classic/ Sport Utility

Annual Percentage Rate:	6.50%
Amount:	100% NADA /Appraised Value
Terms:	Up to 60-months

New & Used RVs, Travel Trailers & Campers

Annual Percentage Rate:	10.0% to 11.0%
Amount:
New -	100% Selling Price
Used -	100% NADA/ Appraised Value
Terms:	Up to 120-months on New RVs, etc.
	Up to 84-months on Used Rvs, etc.

Motor Homes

Annual Percentage Rate	9.0%-9.5%
Amount:
New -	100% Selling Price
Used -	100% NADA / Appraised Value
Terms:	Up to 240 months on New
	Up to 216 months on Used

New & Used Boats

Annual Percentage Rate:	9.0%
Amount:
New -	80% Selling Price
Used -	75% NADA/Appraisal Value
Terms:	Up to 120-months

Education

Annual Percentage Rate:	8.4%
Amount:	Up to $60,000
Terms:	Up to 120-months
Must be Payable to School Only

Income Tax

Annual Percentage Rate:	9.9%
Amount: Minimum	$300
Maximum	$3,000
Terms:	Up to 12-months
Payable to Tax Authority Only

Secured by Stocks

Annual Percentage Rate:	9.0%
Amount:	70% of Current Market Value of The Stock
Terms:	Up to 60-months

Mobile Home

Annual Percentage Rate:	10.0%
Amount: New -	80% Selling Price
Used -	75% NADA/ Appraised Value
Terms:	Up to 180-months

Land Purchase

Annual Percentage Rate:	9.0%
Amount: Minimum	$5,000
Maximum	$100,000
Terms:	Up to 144-months

First Mortgages
Contact the nearest branch office for details

Home Equity Fixed Rates

Annual Percentage Rate:	6.50% to 9.00%
Amount:	100% of Equity in Property
Terms:	Up to 180-Months
Closing Cost:	$100 process cost
	$200 Refi in 12 mos

Home Equity Line of Credit

Annual Percentage Rate:	Prime
Amount:	85% of Equity in Property
	Minimum $5,000
	Maximum $200,000
Term:	10 year draw
	10 year repayment

Share Pledge

Annual Percentage Rate:	6.0%
Amount:	Amount on Deposit
Terms:	Up to 120-Months

VISA Credit Card

Annual Percentage Rate:	11.9%
Amount Fee:	None
Amount: Up to $10,000 or higher amount that has been approved by another financial institution.

Savings Rates

					DIVIDEND RATES EFFECTIVE 06/05/02
Account Type	Dividend Rate		Annual Percentage Yield
Share Savings	1.75%		1.76%
Checking (Share Draft)	.90%		.90%
IRA Share Savings	2.25%		2.27%
Christmas Club	1.75%		1.76%
Vacation Club	1.75%		1.76%
Premium Money Market $25,000	2.15%	2.17%
	Under $10,000		Over $10,000
Money Market	2.00%	2.02%	2.00%	2.02%
Certificates
3 - 5 Months	2.25%	2.27%	2.50%	2.53%
6 - 11 Months	2.40%	2.42%	2.65%	2.67%
12 - 17 Months	2.75%	2.79%	3.00%	3.05%
18 - 23 Months	3.00%	3.05%	3.25%	3.30%
24 - 29 Months	3.50%	3.56%	3.75%	3.82%
30 - 35 Months	3.25%	3.30%	3.50%	3.56%
36 Months	3.75%	3.82%	4.00%	4.08%