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Rates
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RatesLoan RatesLot and Land LoansRates effective April 30, 2009

| Type | APR * | Checking with Autopay APR as low as | Checking with Autopay and Direct Deposit APR as low as | Amortization | | | One Year Balloon | as low as 5.99% APR | as low as 5.49% APR | as low as 4.99% APR | Up to 30 years | |  | | | 3 Year Balloon | 6.49% | 5.99% | 5.49% | | |  | | Your rate is determined by your account relationship and credit score.
* APR is Annual Percentage Rate. Rates are subject to change. Your actual rate and term is determined by your account history and credit score.
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