Secured Loans
CD Secured or Share Secured
         
Certificate Secured (CD)
2% above the rate on the certificate being pledged
 
Share Secured Loan 
10 - 12 months
 
4.0% APR
 
13 - 24 months
4.5% APR
25 - 36 months
5.0% APR
37 - 48 months
5.5% APR
49 - 60 months
6.0% APR
61 - 96 months
7.0% APR
 
Rates accurate as of January 1, 2006