NEW VEHICLE PURCHASES
Requires 20 percent Down Payment
3 years 4.95 percent APR* Payments $13.81 bi-weekly
4 years 5.25 percent APR* Payments $10.67 bi-weekly
5 years 5.95 percent APR* Payments $ 8.90 bi-weekly

USED VEHICLE PURCHASES
With 20 percent down payment
3 years 8.80 percent APR* Payments $14.82 bi-weekly
4 years 9.80 percent APR* Payments $11.86 bi-weekly
5 years 10.55 percent APR* Payments $10.14 bi-weekly

SECOND MORTGAGE LOANS
5 years 8.50 percent APR* Payments $ 9.45 bi-weekly
10 years 9.25 percent APR* Payments $ 5.90 bi-weekly

CONSUMER LOANS
Rates Starting as low as 14 percent APR*
3 years 14.00 percent APR* Payments $15.73 bi-weekly
VISA CARDS- 12.90 percent APR*
APR* = Annual Percentage Rate Per $1,000 borrowed

OTHER LOANS
HOME EQUITY LOANS, SIMPLE MORTGAGE LOAN - $7,500 maximum, SHARE SECURED LOANS, NEW BOAT LOANS, USED BOAT LOANS, MOTORCYCLE LOANS, MARDI GRAS LOANS, REVOLVING CREDIT LOANS, LINES OF CREDIT, and FARM IMPLEMENTS

RATES ARE ALSO AFFECTED BY YOUR CREDIT RATING

SHARE CERTIFICATE RATES

Effective October 1, 2008

6 months 1.50 percent APY**
12 months 1.90 percent APY**
24 months 2.00 percent APY**

APY = Annual Percentage Yield

Regular Shares 0.75 percent APY**
For the quarter ending March 31, 2009