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Interest Rates as of 05/09/2008

Interest Rates & Annual Percentage Yields (APY)

Account Type Minimum Balance to Open Account and Obtain APY* Interest Rate APY*
Gold Club Checking $100 .30% .30%
NOW Checking $750 .30% .30%
Savings $200 .52% .52%
Beginning Savings $10 .52% .52%
Rewards Checking
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*Rates subject to change.
Fees may reduce earnings of the account daily balance.
*APY=Annual Percentage Yield
 
Money Market Minimum Balance to Open Account and Obtain APY* Interest Rate APY*
Tier 1 $50,000 2.13% 2.15%
Tier 2 $25,000 1.72% 1.73%
Tier 3 $1,000 1.01% 1.01%
*Rates subject to change.
Fees may reduce earnings of the account daily balance.
*APY=Annual Percentage Yield

IRAs

IRAs Minimum Balance to Open Account and Obtain APY* Interest Rate APY*
12 Month $500 2.21% 2.21%
18 Month $500 2.40% 2.42%
30 Month $500 2.71% 2.74%
*Rates subject to change.
Fees may reduce earnings of the account daily balance.
There is a penalty for early withdrawal.
*APY=Annual Percentage Yield

Special Certificates of Deposit (CDs)

Certificates of Deposit Minimum Balance to Open Account and Obtain APY* Interest Rate APY*
24 month $25,000 3.00% 3.03%
*Rates subject to change.
Fees may reduce earnings of the account daily balance.
There is a penalty for early withdrawal.
*APY=Annual Percentage Yield

Mortgage Rates 05/09/2008

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Based on owner-occupied $150,000 loan with 20% down payment
APR = Annual Percentage Rate. Rates and terms subject to change.
Normal underwriting guidelines apply. Borrower pays all closing costs.
Product Interest Rate APR*
30 Year Fixed Rate
30 Day Rate Lock / 0 points
5.875% 5.929%
20 Year Fixed Rate
30 Day Rate Lock / 0 points
5.750% 5.821%
15 Year Fixed Rate
30 Day Rate Lock / 0 points
5.375% 5.464%
Rates subject to change. Disclosure
*APR=Annual Percentage Rate

Home Construction Rates 05/09/2008

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Product Interest Rate APR*
Home Construction Loan 6.00% 6.29%
Rates subject to change. Disclosure
*APR=Annual Percentage Rate

Land Purchase Rates 05/09/2008

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Product Interest Rate APR*
Land Purchase Loan 7.38% 7.48%
Rates subject to change. Disclosure
*APR=Annual Percentage Rate

Home Improvement / Home Equity Rates 05/09/2008

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Product Interest Rate APR*
Home Equity Loan
<80% Loan-to-Value Ratio (LTV)
7.00% 7.056%
Home Equity Loan
<90% LTV
7.25% 7.306%
Home Equity Loan
<95% LTV
7.63% 7.782%
Rates subject to change. Disclosure
*APR=Annual Percentage Rate

Home Equity Line of Credit Rates 05/09/2008

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Product Interest Rate APR*
Home Equity Line of Credit (HELOC) <80% Loan-to-Value Ratio (LTV) 7.375% variable 7.375% variable
HELOC <90% LTV 7.50% variable 7.50% variable
HELOC <95% LTV 7.625% variable 7.625% variable
Rates subject to change. Disclosure
*APR=Annual Percentage Rate

Vehicle Rates 05/09/2008

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Product Interest Rate APR*
Vehicle 2003-2007 7.38% 7.639%
Vehicle 1999-2002 7.63% 7.890%
Vehicle 1998 & Older 7.88% 8.261%
Rates subject to change. Disclosure
*APR=Annual Percentage Rate

Personal Rates 05/09/2008

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Product Interest Rate APR*
Personal Loan 11.75% 15.880%
Rates subject to change. Disclosure
*APR=Annual Percentage Rate

Security Shield Credit Card Rates 05/09/2008

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Plan Option Retail Purchase Cash Advance
Annual Percentage Rate 14.90% 18.90%
Grace Period for Repayment of the balances for purchases 25 days None
Minimum Monthly Payment 3% of the average daily balance or $10.00 whichever is greater 3% of the average daily balance or $10.00 whichever is greater
Method for Computing the balance for purchases Average daily balance excluding new purchases Actual Daily Balance
Annual Fee None None
Late Payment Fee $25.00 $25.00
Overlimit Fee $25.00 $25.00
Cash Advance Fee N/A $5.00
Return Check fee $25.00 $25.00
Rates subject to change. Disclosure
*APR=Annual Percentage Rate


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590 Theater Road, Onalaska, WI 54650 | 608-783-6000
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