Rates & Fees

Deposit Rates
Rates as of May 1, 2008 and subject to change.
Money Market			Effective 05-08-2008
Balances	Dividend Rate		APY
$0 - $2,499.00	0.00%		0.00%
$2,500 - $9,999.99	1.50%		1.51%
$10,000 - $24,999.99	1.75%		1.76%
$25,000 - $49,999.99	2.00%		2.02%
$50,000 - $99,999.99	2.25%		2.27%
$100,000 -$249,999.99	2.50%		2.53%
$250,000 and over	3.00%		3.04%
Individual Retirement Share Account			Effective 05-01-2008
Balances	Dividend Rate		APY
$0 - $24.99	0.00%		0.00%
$25.00 - $4,999.99	1.95%		1.96%
$5,000 - 9,999.99	2.15%		2.17%
$10,000 - $24,999.99	2.25%		2.27%
$25,000 - $49,999.99	2.45%		2.47%
$50,000 and over	2.75%		2.78%
Share/IRA Certificate Accounts 18 month Special excludes IRA Certificates			Effective 05-01-2008
Term	Minimum Deposit $500		Minimum Deposit $5,000
	Rate	APY	Rate	APY
90 days	1.75%	1.76%	1.85%	1.86%
6 months	1.77%	1.78%	1.95%	1.96%
12 months	1.95%	1.96%	2.05%	2.07%
18 months	2.05%	2.07%	2.25%	2.27%
24 months	2.15%	2.17%	2.35%	2.37%
36 months	2.25%	2.27%	2.45%	2.47%
48 months	2.35%	2.37%	2.55%	2.57%
60 months	2.45%	2.47%	2.65%	2.68%
Minor's Certificates	Same Rate as $500 Certificate Account		Minimum Deposit $250.00
Share Savings	Regular, Senior, Business & Trusts		Effective  05-01-2008
Balances	Dividend Rate		APY
$500 - $2,499.99	.45%		0.45%
$2,500 - $9,999.99	.55%		0.55%
$10,000 - $24,999.99	.75%		0.75%
$25,000 - $49,999.99	.95%		0.95%
$50,000 and over	1.00%		1.00%
Share Savings	Minor & Teen		Effective 05-01-2008
Balances	Dividend Rate		APY
$0.00 - $2,499.99	0.45%		0.45%
$2,500 - $9,999.99	0.55%		0.55%
$10,000 - $24,999.99	0.75%		0.75%
$25,000 - $49,999.99	0.95%		0.95%
$50,000 and over	1.00%		1.00%
Club Accounts	Christmas, Vacation & Special		Effective 05-01-2008
Balances	Dividend Rate		APY
$100 - $2,499.99	0.35%		0.35%
$2,500 - $9,999.99	0.45%		0.45%
$10,000 - $24,999.99	0.65%		0.65%
$25,000 - $49,999.99	0.85%		0.85%
$50,000 and over	0.95%		0.95%
Cruisin 55 Checking			Effective 05-01-2008
Balances	Dividend Rate		APY
$0 - $499.99	0.00%		0.00%
$500 and over	1.00%		1.00%
Loan Rates
Rates as of January 30, 2008 and subject to change.
Auto Loans			Effective 05-08-2008
Model Year	Rate		Term
2008-2006 vehicles	As low as 4.75%		up to 24 months
2005-2003 vehicles	As low as 5.50%		up to 24 months
2002-2000 vehicles	As low as 6.50%		up to 24 months
1999 & older vehicles	As low as 7.50%		up to 24 months
Call 419-422-5626	for longer term		rates
Motorcycles			Effective 05-08-2008
Model Year	Rate		Term
All Model Years	As low as 6.00%		up to 72 months
Rates are based on	credit score
Recreational Vehicles			Effective 05-08-2008
Model Year	Rate		Term
All Model Years	As low as 6.00%		up to 72 months
Rates are based on	credit score
Home Equity Line of Credit			Effective 04-30-2008
	Rate		Term
up to 70% LTV	4.50%		Prime Rate - 1/2
up to 80% LTV	5.00%		Prime Rate + 0
up to 90% LTV	6.00%		Prime Rate + 1
up to 100% LTV	8.00%		Prime Rate + 3
Signature Loans			Effective 05-08-2008
	Rate		Term
Signature Loans	As low as 9.00%		up to 48 months
Share Secured			Effective 05-08-2008
	Rate		Term
Share Secured Loans	As low as 4.75%
Visa Credit Cards	Rate		Effective 05-01-2008
Classic	12.9%
Platinum	7.9%

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	Effective August 1, 2007, Reviewed March 1, 2008   Cashier checks (One free per day) after 1 $   1.00 each Money orders $   1.00 each Travelers checks (dual signature) $   1.00 per 100 Wire transfer - international - outgoing $ 35.00 each Wire transfer - international - incoming $ 35.00 each Wire transfer - incoming $   5.00 each Wire transfer - outgoing $ 15.00 each Return of deposited check      Business Account      Personal Account $ 25.00 each $ 10.00 each Additional copies statements $  5.00 per stmt Account balancing assistance (2 free per year) $ 25.00 per hr ACH return for non-sufficient funds $ 33.00 each ACH Origination Return Fee                $ 33.00 each ATM Surcharge (non members only)      $   2.00 each Stop Payment on Share Draft $ 15.00 each Automatic Transfer from Overdraft Account $   2.00 each Copy of Share Draft (C.U. provided, internet is free) $ 10.00 each Share Draft Returns for NSF $ 33.00 each Share Draft/Check Printing Price May Vary Return Mail Fee $  5.00 per item Garnishments & Tax Levies $ 25.00 each Christmas Club Early Withdrawal Fee $   5.00 each Loan Processing Fee $ 50.00 each Loan Late Payment Fee $ 25.00 each Loan Application Fee (after 2 denials in 12 mo) $ 15.00 each Incoming/Outgoing Faxes $  1.00 per page IRA Yearly Maintenance Fee (account balance rule) $ 10.00 IRA New Account Fee (account balance rule) $   5.00 IRA Close Account Fee $ 25.00 Visa Debit Card Dispute - Chargeback $ 25.00 each Check Cashing (Account Rules Apply) $ 10.00 per ck Foreign Check Deposit Fee $ 25.00 per ck Account Re-Opened Fee (within 60 days of closing)  $ 15.00  ATM/Debit/Visa Card Replacement Fee  $ 10.00 each  ATM/Debit Transaction Fee (Using non credit union owned machines)  $  1.00 each Dormant Account Fee (no activity for 12 mos)  $5.00 per month  Cruisin 55 Checking Below Minimum Balance  $5.00 per mnth   Gap Waiver (Loan Rules Apply) $210.00  *Fees may reduce your earnings.