Auto

Loan Type	Conditions	Term	APR*
New & Used Vehicles 20% down	80% of Sticker Price or NADA/CPI Retail Value	36 mos.	4.99%
		48 mos.	5.49%
		60 mos.	5.99%
		72 mos.**	6.99%
New & Used Vehicles 0% down	100% of Sticker Price or NADA/CPI Retail Value	36 mos.	5.49%
		48 mos.	5.99%
		60 mos.	6.49%
		72 mos.**	7.49%
Older Auto(not in NADA/CPI book) 20% down	80% of Older Used Car NADA Book Retail Value	24 mos.	8.49%
Older Auto (not in NADA/CPI book) 0% down	100% of Older Used Car NADA Book Retail Value	24 mos.	8.99%
*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI). New loans will have priority over refinances from other institutions for new lower rates. PALCO loans cannot be refinanced for a lower rate. Model year updated in September. **New vehicles only, unless financing $40,000 or more.

DESCRIPTION	TERM	APR *
Home Equity Line of Credit	10 years (120 Months)	5.00%
* Annual percentage rate. This is the current adjustable rate. Home equity rates can change every six months up to one full percentage point. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).

DESCRIPTION	TERM	APR *
Personal Signature Line up to $10,000**	1-60 Months	11.0%
VISA Credit Card line up to $10,000**	2.5%, min. $10	8.9%
Vacation Helper Loan Special up to $2,000***	12 Months	6.75%
Vacation Helper Loan Special up to $3,000***	18 Months	7.00%
Holiday Helper Loan Special up to $3,000****	12 Months	TBA
*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI). **Combination of PSL and VISA cannot exceed a total of $15,000. ***Available only between April 1st and August 31st. ****Available only between October 1st and January 31st.

DESCRIPTION	TERM	APR *
Share Secured Loan - 36 Months	1-36 Months	5.0%
Share Secured Loan - 60 Months	37-60 Months	6.0%
Share Secured Loan - 120 Months	61-120 Months	7.5%
*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).

DESCRIPTION	TERM	APR *
Certificate Secured Loan - 36 Months	Negotiable	2.0% above certificate rate
*Annual Percentage Rate. Loan Rates are subject to change at any time. Loan limits exclude Credit Disability Insurance (i.e. loan limit + CDI).

			**$250-4,999		$5,000-9,999		$10,000 & up
Length	**Junior Share Certificate Minimum	Regular Share Certificate Minimum	APR	APY*	APR	APY*	APR	APY*	Early Withdrawal
6 mos.	n/a	$1000	2.65	n/a	2.75	n/a	2.90	n/a	30 Days
12 mos.	$250	$500	3.25	3.29	3.35	3.39	3.50	3.55	60 Days
18 mos.	$250	$500	3.35	3.39	3.45	3.49	3.60	3.65	60 Days
24 mos.	$250	$500	3.50	3.55	3.60	3.65	3.75	3.80	60 Days
36 mos.	$250	$500	3.65	3.70	3.75	3.80	3.90	3.96	90 Days
48 mos.	$250	$500	3.80	3.85	3.90	3.96	4.05	4.11	90 Days
60 mos.	$250	$500	4.00	4.06	4.10	4.16	4.25	4.32	90 Days
Note: Dividends paid only at maturity on 6 month SC’s. Dividends may be paid at maturity on all SC’s with term not exceeding one year. Rates and conditions subject to change without notice. Dividends on 12, 18, 24 36,  48, or 60 month SC’s may be paid monthly or quarterly by being deposited into a share account, mailed or compounded back into the SC. Note: All Junior Share Certificates are for members 18 years of age and under. All  Junior Share Certificates will be required to have a Joint Owner on the Certificate with them that is over the age of 18. After the member reaches the age of 19 a renewing Junior Share Certificate will be deposited into the savings account automatically (no automatic renewal). At that point they may roll the monies over into a Regular Share Certificate at the higher minimum deposit requirements.  (Effective 05/22/08)

	3rd Qtr. 2008 Declared		4th Qtr. 2008 Anticipated
	APR	APY*	APR	APY*
Savings (S1) & T-accounts (S5)	1.30%	1.31%	1.30%	1.31%
Checking (S2)	0.50	0.50	0.50	0.50
Christmas (S3) & Vacation Clubs (S4)	1.50	1.51	1.50	1.51
$2,000 and up	1.75	1.76	1.75	1.76
* Annual Percentage Yield. Rates are determined by the board of directors at the board meeting prior to quarter end. The rates are reviewed and paid at the anticipated rates if there are sufficient resources to pay dividends at these rates. The anticipated rates are not guaranteed. Any accounts closed during the quarter will receive the last "declared" rate on those shares earning dividends.

	October 2008 Declared		November 2008 Anticipated
Money Market Savings	APR	APY*	APR	APY*
$2000 - $20,000	1.50%	1.51%	1.25%	1.26%
$20,000 - $75,000	1.75	1.76	1.50	1.51
$75,000 and Over	2.00	2.02	1.75	1.76
Money Market Checking
$2,500 - $10,000	1.00%	1.01%	1.00%	1.01%
$10,000 and Over	1.25	1.26	1.25	1.26
* Annual Percentage Yield. Rates are determined by the board of directors at the board meeting prior to quarter end. The rates are reviewed and paid at the anticipated rates if there are sufficient resources to pay dividends at these rates. The anticipated rates are not guaranteed. Any accounts closed during the quarter will receive the last "declared" rate on those shares earning dividends.