Rates

Savings / Checking

Deposit Rates Effective January 1, 2010

Type	Features	Dividend Rate	APY
Regular Shares	Minimum Balance $25	0.25%	0.25%
You Name It/Vacation	-	0.35%	0.35%
Christmas Club	-	0.35%	0.35%
IRA Accumulator	Minimum Balance $40	0.75%	0.75%
Money Market Accounts	Minimum Balance $2,500	0.75%	0.75%
Pioneer Checking	Minimum Balance $1,000	0.40%	0.40%

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Term Share Certificates/IRA Certificates

Type	Features	Dividend Rate	APY
6 Month Certificate/IRA	plus .25 basis pt. for Pioneer Club or Money Market	1.00%	1.00%
12 Month Certificate/IRA	plus .25 basis pt. for Pioneer Club or Money Market	1.20%	1.21%
18 Month Certificate/IRA	plus .25 basis pt. for Pioneer Club or Money Market	1.40%	1.41%
24 Month Certificate/IRA	plus .25 basis pt. for Pioneer Club or Money Market	1.60%	1.61%
36 Month Certificate/IRA		2.20%	2.22%
24 Month Bump Up Certificate/IRA	plus .25 basis pt. for Pioneer Club or Money Market	1.60%	1.61%

One time during the 24 month period the 24 Month Bump Up Certificate/IRA can be put into another 24 month CD to receive another
rate without penalty. The term will then start over at the new rate.

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Savings Bonds

Type	Features	Current Rate
Savings Bonds	(Effective January 1, 2010)	-
EE	-	1.20%
I	-	0.30%

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Vehicle Loans

Loan Rates Effective January 1, 2010

(.25 APR discount on select loans with Pioneer or Money Market Account)

Type	Term	APR
New Vehicle (2009 & 2008)	84 Months (minimum $15,000 financed)	5.90% – 14.90%
	72 Months (minimum $15,000 financed)	5.90% – 14.90%
	60 Months	4.90% – 13.90%
Used Vehicle (2008 & 2007)	60 Months	4.90% – 13.90%
	54 Months	4.90% – 13.90%
	48 Months	4.90% – 13.90%
Used Vehicle (2006 & 2005)	54 Months	4.90% – 13.90%
Used Vehicle (2004 & Older)	48 Months	4.90% – 13.90%
Motorcycle (New)	Up to 84 Months	4.90% – 14.90%
Motorcycle (Used)	Up to 60 Months	4.90% – 13.90%

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Boat and RV Loans

Type	Term	Features	APR
New & Used Boats	120 – 144 Months	Minimum $30,000 Financed	6.90% – 11.90%
	72 – 84 Months	-	5.90% – 14.90%
	60 Months	-	4.90% – 13.90%
	48 Months	-	4.90% – 13.90%
	36 Months	-	4.90% – 13.90%
	24 Months	-	4.90% – 13.90%
New & Used RV	Up to 60 Months	-	4.90% – 13.90%
	72 to 84 Months	-	5.90% – 14.90%
	120 to 144 Months	Minimum $30,000 Financed	6.90% – 11.90%

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Special Purchase Loans

Type	Features	APY
Special Purchase Loans	For Computer, Farm Equipment, Off Road Vehicle, Furniture, Appliances, etc.	8.95% – 18.00%

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Personal Loans

Name	Type	APR
Flexible/LOC	Fixed	8.95% – 18.00%
“Just Because”	Fixed	8.95% – 18.00%
VISA Classic	Variable	10.25%
VISA Gold	Fixed	10.90%
Share Secured	Based on Lowest Vehicle Rate	-
CD Secured	2% Above CD APY	-

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Mortgage Loans

Type	Features	APR
1st Mortgage	30 Year	Contact Loan Dept.
Unimproved Property	15 Year	7.90%
Home Equity – Fixed	Up to 240 Months	5.00% – 6.50%
Home Equity – Variable	Up to 180 Months	Contact Loan Dept.

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Additional Information

APY = Annual Percentage Yield
APR = Annual Percentage Rate
Credit Union fees may reduce earnings on your account.
A penalty may be imposed for early withdrawal to Certificate Accounts.
Minimum balance required to earn stated APY for Regular Shares, Money Market Savings Accounts, IRAs, Pioneer Club Accounts, and Term Share Certificates of Deposit.
Minimum balance for Term Share Certificate of Deposit is $1000.00
Minimum balance for IRA Term Share Certificate of Deposit is $250.00
Rates subject to change.
Federally insured by NCUA (National Credit Union Administration).
Additional private insurance provided by ESI (Excess Share Insurance) Corporation.