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Rates

Rates are effective as of and are subject to change without notice. Fees may reduce earnings. Withdrawal of dividends may affect your APY.**

      Interest Rates Certified by Datatrac

Club Accounts

Name APR* APY**
Organizational Shares - Balance $100 & up .050% .050%
Christmas Club - Balance $5 & up .060% .060%
Vacation Club - Balance $5 & up .060% .060%

Health Savings Accounts

Name APR* APY**
HSAs - Balance $250 & up .250% .250%

IRAs

Name APR* APY**
Educational IRA Share - Minimum $50 .250% .250%
Roth IRA Share - Min. $50 .250% .250%
Traditional IRA Share - Min. $50 .250% .250%

Kid & Teen Club Savings

Name APR* APY**
Balance $5 & up .080% .080%

Loan Rates

Name APR* APY**
Apply for a Loan Online * *
Certificate Secured Loan - Please call Loan Department for rates *** ***
Mortgage Loans - (11-30 year term) Call Becky at 740-389-9960, x.320 for rates *** ***
Signature Loan - Rates as low as: 10.00% up to 18.%
Auto Loans (2006 & Newer) Rates as low as: 3.24% up to 18.%
Boat Loan - Rates as low as: 3.24% up to 18.%
RV Loan - Rates as low as: 3.24% up to 18.%
Mortgage Loans - (Up to 10 year term) Rates as low as: 3.25% up to 18.%
Share Secured Loan 6.00% 6.00%
All loan applicants must comply with the USA Patriot Act. x x

Regular Share / Savings

Name APR* APY**
Balance $100 & up 0.080% 0.080%

Share Certificates & IRA Certificates - Specials***

Name APR* APY**
14 Months Certificate - Minimum $500 1.788% 1.800%
45 Months Certificate - Minimum $500 2.182% 2.200%
***Certificates are subject to early withdrawal penalty of 90 - 270 days dividends. Based on term

Share Certificates & IRA Certificates***

Name APR* APY**
+ BONUS - If $50,000 to $99,999 add add'l (does not apply to Specials): +0.150% +0.150%
+ BONUS - If over $100,000 add add'l (does not apply to Specials): +0.250% +0.250%
12 - 23 Months Certificate - Min. $1,000 0.350% 0.350%
Youth Certificate - Min. $500 0.350% 0.350%
24 - 35 Months Certificate - Min. $1,000 0.500% 0.501%
36 - 47 Months Certificate - Min. $1,000 0.847% 0.850%
48 - 59 Months Certificate - Min. $1,000 1.095% 1.100%
60 Months Certificate - Min. $1,000 1.249% 1.300%
***Certificates are subject to early withdrawal penalty of 90 - 270 days dividends. Based on term

Share Draft/Checking

Name APR* APY**
Business Plus Checking - Balance $500 & up 0.050% 0.050%
Share Draft / Checking - Balance $500 & up 0.050% 0.050%

Variable Money Market/Checking****

Name APR* APY**
Tier I -- $1,000 - $24,999.99 0.100% 0.100%
Tier II -- $25,000 - $49,999.99 0.150% 0.150%
Tier III -- $50,000 - $99,999.99 0.200% 0.200%
Tier IV -- $100,000 to $249,999.99 0.250% 0.250%
Tier V -- $250,000 & OVER 0.400% 0.401%
****Dividends forfeited if closed early. Dividends paid last day of month

*APR = Annual Percentage Rate    **APY = Annual Percentage Yield

***Share Certificates: A penalty will or may be imposed for early withdrawal.