Rates

SavingsRateAPY*
$1 - $999.05%.05%
$1,000 - $9,999.05%.05%
$10,000+.05%.05%
ClubsRateAPY*
Vacation Club.10%.10%
Christmas Club.10%.10%
Summer Savings.15%.15%
Money Market CheckingRateAPY*
$1 - $2,499.05%.05%
$2,500 - $24,999.10%.10%
$25,000 -$99,999.15%.15%
$100,000+.20%.20%
Business CheckingRateAPY*
$100,000+.55%.55%
Non-Profit CheckingRateAPY*
$1 - $24,999.05%.05%
$25,000 - $99,999.15%.15%
$100,000+.25%.25%
Other SavingsRateAPY*
IRA Shares.20%.20%
Tax Deferred Compensation for School Employees1.75%1.75%
Health Savings Account.15%.15%

*Annual Percentage Yield

**Qualifications apply.

Rates subject to change without notice.

Rates effective as of September 10, 2014.

Competitive loan rates -Managing your debt, saving you money.

AutosAPR*

As Low As

Term:

Up To

2013 and 2014 (1)2.75%72 Mo. (2)
2009-2012 (1)2.75%72 Mo. (2)
2007 and 2008 (1)2.75%60 Mo. (2)
2006 and older (1)2.75%60 Mo. (special circumstances only) (2)
RVsAPR*

As Low As

Term:

Up To

2006 & Newer3.99%120 Mo. Amort (6yr Balloon)
Other VehiclesAPR*

As Low As

Term:

Up To

Motorcycles/ATVs3.99%72 Mo.
Boats-All Model Years3.99%120 Mo. Amort (6yr Balloon)
Home EquityAPR*

As Low As

Term:
Interest Only Home Equity4.99%First three months with checking.
Home Equity Line of Credit3.99%First three months with checking.
Home Equity Fixed5.00%
Other LoansAPR*

As Low As

Term:

Up To

New UCC Items4.50%60 Mo.
Used UCC Items4.50%60 Mo.
Unsecured: Ultraline (3)7.00%Variable
Unsecured: Value-Line (3)16.9%Fixed
Personal Loan7.00%60 Mo.
VISA Gold Intro (4)5.90%/ 12 Mo.
VISA Gold Mature9.90%
VISA Classic Intro (4)7.90%/ 12 Mo.
VISA Classic MatureVISA Classic Mature
VISA Campus Club14.96%

*Annual Percentage Rate

Rates are 'as low as' based on past credit performance and term.

Rates effective as of September 10, 2014.

Additional information is available for mortgage, home equity, vacant lot and construction loans. Contact Carrie at 231-932-5071 for more details.

1. Extended terms for these vehicles are available for the rate listed above plus .50% (on a case by case basis).

2. Net Check & Auto payment from checking discounts and repeat member discounts may apply.

3. Repayment on both lines @ $2.00 per $100.00 financed.

4. Only available to members who have never had a TBA Visa-Gold or Classic

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Share Certificates -Earning fixed rates of return, managing your financial risk.

CDRate As High AsAPY*
6 Month

$5,000 Minimum
.250%.25%
12 Month

$500 Minimum
.450%.45%
24 Month

$500 Minimum
.750%.75%
36 Month

$500 Minimum
1.000%1.00%
48 Month

$500 Minimum
1.100%1.11%
60 Month

$500 Minimum
1.200%1.21%

*Annual Percentage Yield.

Rates are 'as high as' based on member participation.

Rates effective as of September 10, 2014.