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Rates and Terms for Savings Accounts

Account Types

APR*

APY**

Regular Shares and Club Accounts 0.10% 0.10%

IRA Account 0.70% 0.70%

Checking Account 0.00% 0.00%

Share Certificates (min $2,500)

6 Month
0.35% 0.35%

1 Year
0.65% 0.65%

Rates and Terms for Loans

Loan Product

Max. Loan Amount

Max. Loan Term

APR*

Vehicles (New/Used)

$65,000
or high bluebook

72 Months (New)
60 Months (Used)

As Low as 4.25%****

Motorcycles

$15,000

48 Months

As Low as 4.25%****

Signature/Personal

$10,000

48 Months

As Low as 12.00%

Share/CD Secured

$75,000

60 Months

4% Above % Earned

Overdraft Line of Credit

$2,500

Open End

As Low as 12.00%

Home Equity Line of Credit

80% Loan to Value

240 Months

As Low as 4.00%***

Second Deed of Trust

80% Loan to Value

180 Months

As Low as 7.25%***

*APR = Annual Percentage Rate
**APY = Annual Percentage Yield
***Home Equity and Second Deed rates are based on The Wall Street Journal "Prime Rate" plus a margin
****Auto Loan rate of 4.25% includes a 0.25% discount for payroll deduction

Call (650) 569-4260 for current rates and terms

ALL RATES SUBJECT TO CHANGE AND CREDIT APPROVAL
EFFECTIVE July 8, 2010

Equal Housing