974 Visitors SAVINGS/SHARE ACCOUNTS Divideneds paid daily, posted semi-annually, June 30th and December 31st, to all shareholders of record. Dividends rate on December 31, 2011 was 0.25%. Loans Offered APR Rates as low as... Terms up to... New Vehicle, Never Titled* 4.5% APR** 72 Months Autos (2008 & Newer)* 4.5% APR** 60 Months Autos (2006 & 2007)* 4.5% APR** 48 Months Autos (2005 & Older)* 4.5% APR/5.9% APR** 36/48 Months Recreational Vehicle - New (up to $25,000)      8.5% APR 144 Months (Over $25,000)      7.5% APR 180 Months Used (up to $25,000)      9.5% APR 144 Months (Over $25,000)      8.5% APR 180 Months Share 3.5% APR 60 Months Signature 10.8% APR 48 Months Real Estate 6.5% APR 144 Months Real Estate 10.8% APR 180 Months Tuition Loans* 3.75% APR 10-12 Months *No refinancing on present loans. All loan rates are subject to change without notice. There is a $30 fee for any returned checks. There is a minimum fee of $280 on mortgage loans.