Rates

Savings / Checking

Deposit Rates as of February 1, 2012

Type	Features	Dividend Rate	APY
Regular Shares	Minimum Balance $25	0.10%	0.10%
You Name It/Vacation	-	0.25%	0.25%
Christmas Club	-	0.25%	0.25%
IRA Accumulator	Minimum Balance $40	0.60%	0.60%
Money Market Accounts	Minimum Balance $2,500	0.40%	0.40%
Pioneer Checking	Minimum Balance $1,000	0.30%	0.30%

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Term Share Certificates/IRA Certificates

Type	Dividend Rate	APY
6 Month Certificate/IRA	0.45%	0.45%
12 Month Certificate/IRA	0.65%	0.65%
18 Month Certificate/IRA	0.90%	0.90%
24 Month Certificate/IRA	1.15%	1.16%
36 Month Certificate/IRA	1.30%	1.31%

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Vehicle Loans

Loan Rates as of February 1, 2012

.25% APR discount on select loans with Pioneer or Money Market Account.
1.00% APR discount for qualifying Green Auto Loans – As low as 1.90%.
Maximum term for collateral will be determined by year of collateral.

Type	Term	APR
New Vehicle	Up to 24 Months	1.90% – 13.90%
	Up to 36 Months	2.90% – 13.90%
	Up to 48 to 60 Months	3.90% – 13.90%
	Up to 72 Months (minimum $15,000 financed)	4.90% – 14.90%
	Up to 84 Months (minimum $15,000 financed)	4.90% – 14.90%
Used Vehicle	Up to 24 Months	1.90% – 13.90%
	Up to 36 Months	2.90% – 13.90%
	Up to 48 Months	3.90% – 13.90%
	Up to 60 Months	3.90% – 13.90%
Motorcycle (New)	Up to 84 Months	1.90% – 14.90%
Motorcycle (Used)	Up to 60 Months	1.90% – 13.90%

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Boat and RV Loans

Type	Term	Features	APR
New & Used Boats	24 Months	-	1.90% – 13.90%
	36 Months	-	2.90% – 13.90%
	48 Months	-	3.90% – 13.90%
	60 Months	-	3.90% – 13.90%
	72 – 84 Months	-	4.90% – 14.90%
	120 – 144 Months	Minimum $30,000 Financed	6.90% – 11.90%
New & Used RV	Up to 60 Months	-	1.90% – 13.90%
	72 to 84 Months	-	4.90% – 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	Features	APR
Flexible/LOC	Line of Credit	8.95% – 18.00%
“Just Because”	Personal Loan	8.95% – 18.00%
Seasonal Loan	Maximum $1,000 Financed for 12 months	6.00%
VISA Classic	Variable	10.25%
VISA Gold	Fixed	10.90%
Share Secured	No Credit Check	1.9% – 6.9%
CD Secured	Secure 100% CD Balance	2% Above CD APR

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Mortgage Loans

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Conventional Mortgage
In-House 1st Mortgage
Home Equity Loan

Central’s In-House 1st Mortgage Loans receive a 0.25% APR discount with your Central Checking account.

Type	Features	APR
1st Mortgage	30 Year	Contact Loan Dept.
Home Equity – Fixed	Up to 240 Months	Contact Loan Dept.
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.