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	Loans Mortgages Home Equity Loans & HELOCs Auto Loans Boat, Motorcycle & RV Loans Signature Loans Secured Loans Overdraft Protection Holiday and Vacation Loans Credit Life and Disability Insurance Rates

Mortgage Rates

Term	APR
click here for daily mortgage rates
click here to calculate your monthly mortgage payment

Equi-Fix℠ Home Equity Loans

Term	APR
60 months	5.75%
120 months	6.75%
180 months	7.75%

Equi-Flex℠ Home Equity Line of Credit

Term	APR
Revolving Line of Credit	3.75%

Auto Loans, New and Used

Term	APR
60 months	3.50%* - 15.50%
72 months	3.50%* - 16.00%
84 months	4.00%* - 16.50%
click here to calculate your monthly car payment
*lowest APR is a result of all available rate discounts such as down payment and direct deposit.

Boat or RV Loans, New and Used

Term	APR
Up to 48 months	3.50%* - 18.00%
60 months	3.50%* - 18.00%
72 months	5.25%* - 18.00%
84 months	5.75%* - 18.00%
120 months	6.75%* - 18.00%
click here to calculate your monthly boat or RV loan
*Lowest APR is a result of all available rate discounts such as down payment and direct deposit.

Motorcycle Loans, New and Used

Term	APR
48 months	3.50%* - 18.00%
click here to calculate your monthly motorcycle payment
*Lowest APR is a result of all available rate discounts such as down payment and direct deposit.

Signature Loans

Term	APR
Up to 72 months	8.50% - 18.00%

Secured Loans

	Term	APY
Savings and Certificate Secured Loans	Up to 48 months	5.75%
	84 months	6.00%
	120 months	6.25%
Stock Secured Loans**	Up to 60 months	7.50%
**Stock Secured Loans of less than $15,000 have a maximum repayment term of 36 months.

Overdraft Protection

Term	APR
Revolving Line of Credit***	16.00%
***Minimum monthly payment is calculated by multiplying the balance on the last day of the month by 4%. The minimum monthly payment will never be less than $20.00.

Holiday and Vacation Loans

	Term	APY
Holiday Loans	Up to 18 months	9.00%
Vacation Loans	Up to 18 months	9.00%
Rates apply to the 2009 Holiday and Vacation seasons.

Qside Visa Card Rates

Card	APR
Visa Classic Credit Card	12.9%
Visa Platinum Credit Card	8.9%
Visa Platinum Rewards Credit Card	9.9%
click here to calculate your credit card payoff time/cost

Loans paid via direct deposit will receive a 0.50% discount off the APR. If direct deposit is discontinued, your APR will increase by 0.50% (excluding Stock-, Share- and Certificate-Secured, Overdraft Protection and Real Estate Loans).

*Lowest APR is a result of all available rate discounts such as down payment and direct deposit.

**Stock Secured Loans of less than $15,000 have a maximum repayment term of 36 months.

***Minimum monthly payment is calculated by multiplying the balance on the last day of the month by 4%. The minimum monthly payment will never be less than $20.00.

Checking Accounts

Balance Amount	Dividend	APY
$1 - $999.99	0.10%	0.10%
$1,000 - $2,499.99	0.15%	0.15%
$2,500 - $4,999.99	0.25%	0.25%
$5,000 and over	0.45%	0.45%
Dividends credited monthly. Rates effective 6/27/2011. Rates subject to change without notice.

Savings Accounts

Balance Amount	Dividend	APY
$25 - $2,499.99	0.35%	0.35%
$2,500 and over	0.45%	0.45%
Dividends credited monthly. Rates effective 6/27/2011. Rates subject change without notice.

Money Market Accounts

Balance Amount	Dividend	APY
$5,000 - $9,999.99	.50%	.50%
$10,000 - $24,999.99	.55%	.55%
$25,000 - $49,999.99	.65%	.65%
$50,000 and over	.80%	.80%
Dividends credited monthly. Rates effective 01/23/2012. Rates subject to change without notice.

CDs

	6-Month Term		1-Year Term		2-Year Term		3-Year Term
Balance	Dividend	APY	Dividend	APY	Dividend	APY	Dividend	APY
$500 - $9,999	0.45%	0.451%	0.55%	0.55%	1.10%	1.10%	1.40%	1.41%
$10,000 - $24,999	0.55%	0.551%	0.65%	0.65%	1.20%	1.20%	1.50%	1.51%
$25,000 - $49,999	0.60%	0.601%	0.70%	0.70%	1.25%	1.25%	1.55%	1.56%
$50,000 - $99,000	0.65%	0.651%	0.75%	0.75%	1.30%	1.30%	1.65%	1.66%
$100,000 and over	0.75%	0.751%	0.85%	0.85%	1.40%	1.41%	1.75%	1.76%
Dividends credited semi-annually. Rates Effective 1/23/2012. Rates subject to change without notice.

IRA Certificates

	1-Year Term		2-Year Term		3-Year Term
	Dividend Rate	APY	Dividend Rate	APY	Dividend Rate	APY
$500 minimum	0.65%	0.65%	1.20%	1.21%	1.50%	1.51%
Dividends credited semi-annually. Rates Effective 1/23/2012. Rates subject to change without notice.

IRA Savings Accounts

	Dividend	APY
Traditional IRA Savings	.55%	.55%
Roth IRA Savings	.55%	.55%
Education IRA Savings	.55%	.55%
Dividends credited monthly. Rates effective 5/01/2011. Rates subject to change without notice.

Bump Up CDs

	3-Year Bump Up
Balance	Dividend	APY
$500 - $9,999	1.35%	1.36%
$10,000 - $24,999	1.45%	1.46%
$25,000 - $49,999	1.50%	1.51%
$50,000 - $99,000	1.55%	1.56%
$100,000 and over	1.65%	1.66%
IRA Certificate, $500 minimum	1.45%	1.46%
Dividends credited semi-annually. Rates Effective 1/23/2012. Rates subject to change without notice.

Holiday and Vacation Savings Account Rates

	Dividend	APY
Holiday Club Savings Accounts	0.35%	0.35%
Vacation Club Savings Accounts	0.50%	0.50%
Dividends credited monthly. Rates effective 6/27/2011. Rates subject to change without notice.

Fees

Share Value
Par Value of One Share (Minimum Balance)	$25.00
Fees effective 10/1/2009

Savings Fees
Savings Transfer for Insufficient Funds	$2.50 per transfer
Dormant Account Fee	$25.00
Minimum Balance Fee	$1.00 per month
Fees effective 10/1/2009

Vacation Club Fees
Savings Transfer for Insufficient Funds	$2.50 per transfer
Excessive Withdrawal Fee	$1.50 after the first two (2) in one (1) calendar year
Fees effective 10/1/2009

Money Market Fees
Savings Transfer for Insufficient Funds	$2.50 per transfer
Minimum Balance Fee	$15.00 if daily balance is below $5,000.00
Fees effective 10/1/2009

Checking Fees
Manual/Pmt Fee	$5.00
Insufficient Funds Fee	$20.00 per item
Returned Item Fee	$20.00 per item
Stop Payment Fee	$15.00 per request
Check Printing Fee	Vary depending on style
Check Photocopy Fee	$5.00 per copy
Check Photocopy (fax)	$7.50 per copy
Check Image Copy	$0.50 per copy
Negative Balance Fee	$20.00
Fees effective 10/1/2009

Other Service Fees
Statement Copy Fee	$5.00 per copy
Deposited Item Return Fee	$25.00 per item
Outgoing Wire Transfer Fee (local)	$15.00 per transfer
Outgoing Wire Transfer Fee (international)	$50.00 per transfer
Certified Check	$6.00 per check
Money Order	$1.50 per check
Travelers Check	$1.50 per $100
Travelers Check for two (2)	$1.50 per $100
Telephone Transfer (non-audio response or ATM)	$2.50 per transfer
Account Transfer Fee	$2.50 per transfer
Fax Transfer Fee	$2.50 per transfer
Account Balance Verification Fee	$15.00 per letter
Manual Bill Payment Fee	$2.00 per item
Gift Check	$1.50 per check
Bad Address Fee	$5.00
Gift Card Fee	$3.00
Fees effective 10/1/2009

EFT Fees
STAR/ATM Withdrawal Fee	$1.50 per withdrawal (after the first 8)
STAR/ATM Card Replacement Fee	$10.00 per card
STAR/ATM Balance Inquiry Fee	$1.00 per inquiry
STAR/ATM Denial Fee	$1.50 denial
Debit Card Insufficient Funds Fee	$20.00 per item
Debit Card Replacement Fee	$10.00 per card
STAR/ATM Insufficient Funds Fee	$20.00 per item
Fees effective 10/1/2009