Current Rates

Rates effective as of May 3, 2013.
Rates are subject to change. Please check with your local service center.

Share/Savings
Account	Annual Percentage Yield
Basic Shares	0.020%
IRA Accumulation	0.200%
Classic Oak - Less Than $25,000	0.050%
Classic Oak - $25,000 - $49,999	0.050%
Classic Oak - $50,000 - $99,999	0.150%
Classic Oak - $100,000 +	0.200%

Checking Account
Account	Annual Percentage Yield
Members Choice	0.050%

Share Certificates
Term	Regular Annual Percentage Yield*
3 months	0.150%
6 months	0.190%
7-11 months	0.270%
12-17 months	0.400%
18-23 months	0.450%
24-29 months	0.650%
30 months	0.700%
31-36 months	0.750%
37-48 months	0.950%
49-59 months	1.000%
60 months	1.250%
72 months	1.350%

*Regular Certificate APY reflects $500 minimum deposit.

Loans
Type	Annual Percentage Rate as low as:**
New Cars & Trucks	2.49%
Used Cars & Trucks	2.49%
Home Equity Line of Credit (variable)	4.00%
Fixed Rate Home Equity	3.99%
Signature	6.74%

**The rate you pay will be based on your credit history, account relationships and term of the loan. Stated vehicle rates and fixed rate home equity loans include a .25% rate discount for payroll deduction and checking account relationships.

Credit Cards
Type	Annual Percentage Rate
Visa Classic	as low as 12.50%
Visa Gold (variable APR)	6.25% (Prime Rate + 3%)
Visa Platinum (variable APR)	5.25% (Prime Rate + 2%)