Loans  |  Savings  |  Certificates  |  Mortgages

Rates effective January 16, 2008
Rates subject to change without notice.

Loans Rates
Loan Type	Terms		Annual Percentage Rate (APR)
New Vehicle (Car,  Truck,Van, or Motor Home)	New - 100% MSRP Up to 72 months (Car, Truck, or Van) Up to 144 months (Motor Homes only)		Rates as low as 3.9%
Used Vehicle (Car,  Truck,Van, or Motor Home)	Used - 100% NADA Retail Up to 60 months/1-5 yrs old Up to 36 months/ 6 yrs & older		Rates as low as 3.9%
Signature Loan (Unsecured)	Up to $10,000 Maximum Term 5 years		Rates as low as 9.75%
New Motorcycle,  Boat/Motor/Trailer, Travel  Trailer, Farm & Garden Equip.	New - 100% Purchase Price Up to 72 months		Rates as low as 3.9%
Used Motorcycle,  Boat/Motor/Trailer, Travel  Trailer, Farm & Garden Equip.	Used - 100% Dealer Certified Up to 60 months		Rates as low as 3.9%
VISA Credit Card	Classic Card Platinum Card		12.9%  9.90%
New  Jet Ski & ATV's	New - 100% Purchase Price Up to 60 months		Rates as low as 3.9%
Used Jet Ski & ATV's	Used - 100% Dealer Certified Up to 48 months		Rates as low as 3.9%
Utility Trailer	New - 80% Purchase Price Up to 60 Months		Rates as low as 8.00%
Certificate of Deposit Secured	Term equals length of CD		2.00% above pledged CD
Share Secured	Maximum Term 5 years		2.00 % above current rate
Debt Consolidation	Up to $10,000 Maximum Term 5 years		18.00%
Over-Draft Protection	$500.00 Maximum Limit		18.00%
Real Estate	Call for current rates and details.  318-443-1200

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Savings Rates
Account Type	Terms	Dividend Rate	Annual Percentage Yield (APY)
Share Savings	Minimum balance of $25.00 required Balance of $25.00 - $1,000.00 Balance of $100.01 - UP	0.00% 0.40%	0.00% 0.40%
Share Draft (Checking)	No Minimum balance required Balance of $0.00 - $1,000.00 Balance of $1000.01 - UP	0.00% 0.40%	0.00% 0.40%
Club Accounts/Vacation  Christmas	No Minimum balance required	0.20% 0.50%	0.20% 0.50%
IRA Savings	No Minimum balance required	1.00%	1.01%
6 - 11 Month Share Certificate	$500.00 Minimum balance required	0.45%	0.45%
12 - 23 Month Share Certificate	$500.00 Minimum balance required	0.50%	0.50%
24 - 35 Month Share Certificate	$500.00 Minimum balance required	0.50%	0.50%
36 Month Share Certificate	$500.00 Minimum balance required	0.80%	0.80%
6 - 11 Month IRA Share Certificate	$500.00 Minimum balance required	0.55%	0.55%
12 - 23 Month IRA Share Certificate	$500.00 Minimum balance required	0.60%	0.60%
24 - 35 Month IRA Share Certificate	$500.00 Minimum balance required	0.60%	0.60%