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Loans | Mortgage | Savings | Certificates

EFFECTIVE DATE 06/25/2008
Loans Rate APR* Term  
AUTO-NEW & USED 2008-2007 5.500 5.500 24 Calculator
AUTO-NEW & USED 2008-2007 5.500 5.500 36 Calculator
AUTO-NEW & USED 2008-2007 5.500 5.500 48 Calculator
AUTO-NEW & USED 2008-2007 5.500 5.500 60 Calculator
AUTO- USED 2006-2005 6.250 6.250 60 Calculator
AUTO - USED 2004-2003 6.750 6.750 48 Calculator
AUTO - USED 2002-1997 7.250 7.250 36 Calculator
AUTO - USED 1996 AND OLDER 7.250 7.250 24 Calculator
RECREATIONAL VEHICLES / NEW 6.250 6.250 60 Calculator
RECREATIONAL VEHICLES / NEW 8.000 8.000 120 Calculator
RECREATIONAL VEHICLES / USED 6.250 6.250 60 Calculator
RECREATIONAL VEHICLES / USED 8.000 8.000 120 Calculator
VINTAGE CARS-25YRS AND OLDER 12.000 12.000 60 Calculator
MOBILE HOMES / NEW-10YRS OLD 12.000 12.000 120 Calculator
MOBILE HOMES / USED 11YRS AND OLDER 15.000 15.000 60 Calculator
SHARES PLEDGED 4.500 0.000 120 Calculator
SECURED LOANS W/ PD OFF COLLATERAL & FULL INS 10.950 10.950 48 Calculator
SIGNATURE LOAN 12.000 12.000 48 Calculator
*APR = Annual Percentage Rate  *Term = Months
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EFFECTIVE DATE 06/25/2008

For today's rates and terms, please contact our loan department at 231-755-1696
Rate Points APR*


Home Equity up to 72 months . Example: 72 monthly payments of $16.46 per $1000.00 borrowed.

Rate Points APR*
5.75 - 5.75

Home Equity up to 144 months. Example: 144 monthly payments of $10.16 per $1000.00 borrowed.
Rate Points APR*
6.75 - 6.75
*APR = Annual Percentage Rate
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EFFECTIVE DATE 06/25/2008
Savings Rate APY* Term Minimum to open Minimum to earn dividend
REGULAR SHARES 0.60 0.60 n/a $5.00 $5.00
HI-YIELD SAVINGS 0.80 0.80 n/a n/a minimum $100 in reg.shares
SPECIAL SAVERS 0.60 0.60 n/a n/a no minimum required
CHRISTMAS CLUB 0.60 0.60 n/a n/a no minimum required
VACATION CLUB 0.60 0.60 n/a n/a no minimum required
ESCROW ACCOUNT 0.60 0.60 n/a n/a no minimum required
PLUS SAVERS 0.60 0.60 n/a n/a no minimum required
IRA'S 2.00 2.02 n/a n/a no minimum required
*APY = Annual Percentage Yield
*Dividends paid on an average daily balance.
*Dividends are paid quraterly on the average daily balance.
*If account is closed before quarter ends, then dividends will be forfeited.
*Fees may reduce earnings. See Fee Schedule
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EFFECTIVE DATE 06/25/2008
Certificates Rate APY* Term Minimum to open Minimum to earn dividend
SHARE CERTIFICATE 2.85 2.89 6 $1000 $1000
SHARE CERTIFICATE 3.00 3.04 12 $1000 $1000
SHARE CERTIFICATE 3.15 3.20 24 $1000 $1000
SHARE CERTIFICATE 3.30 3.35 36 $1000 $1000
*Certificates are noncompounding and dividends are paid to regular shares on the last day of each month.
*Penalty is assessed on early withdrawals. *Term = Months
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