Loan Rates and Terms  LOAN TYPE APR** TERM New Vehicles & Recreational Equipment (Never Titled) 3.50% - 8.50% Up to 5 years 5.10% - 10.10% 6 years 5.85% - 10.85% 7 years 6.50% - 11.50%  8 years Newer Vehicles (2016, 2015, 2014) 3.50% - 8.50% Up to 5 years 6.25% - 11.25% 6 & 7 years Used Vehicles (2013 and older) 4.50% - 9.50% 3 years 6.50% - 11.50% 4 to 6 years Used Recreational Equipment 6.00% - 11.00% Up to 3 years 6.50% - 11.50% 4 years 7.00% - 12.00% 5 years Real Estate, 15-year  6.50%  15 years Real Estate, 10-year 6.00% 10 years Real Estate, 5-year with balloon payment 5.00% 5 years Real Estate, 3-year with balloon payment 4.00% 3 years Other Collateralized 2.00% - 6.50%  1 - 3 years  Mobile Home 8.50% - 13.50% 7 years Personal Loan 11.50% - 16.50% Open-end 11.50% - 16.50% 3 1/2 years Share/Certificate Secured Loan Call for details ** APR=Annual Percentage Rate

PLEASE CALL FOR SHARE CERTIFICATE RATES AND TERMS.

Other Share Account Rates  ACCOUNT TYPE APR** APY*** DETAILS Share Savings 0.10% 0.10% Computed on average daily balance, paid monthly IRA 0.65% 0.65% Computed on average daily balance, paid quarterly **APR=Annual Percentage Rate ***APY=Annual Percentage Yield   Rates Subject to Change Please call us at 406-526-3223 or 406-228-9292 for the most current rate information