Consumer Loans

Effective January 4, 2010

The rate on consumer loans will be as follows :

Loan Type	Amount Financed	Maximum Term	Rate	APR***	Terms of Repayment****
Auto (2007 - 2010)	100%	60 mos	5.99%	5.99%	$19.33
Auto (2007 - 2010)	100%	72 mos	7.25%	7.25%	$17.17
Auto (2005 - 2006)*	100%	60 mos	6.125%	6.125%	$19.39
Auto (2005 - 2006)*	100%	72 mos	7.25%	7.25%	$17.17
Auto (2004)*	100%	60 mos	6.125%	6.125%	$19.39
Auto (2003)*	100%	60 mos	7.25%	7.25%	$19.92
Auto (2000 - 2002)*	100%	48 mos	7.75%	7.75%	$24.30
Auto (1999 and older)*	100%	36 mos	9.75%	9.75%	$32.15
New Rec Vehicle (Titled Only) **	80%	60 mos	10.00%	10.00%	$21.25
Used Rec Vehicle (6 yrs old max)**	80%	48 mos	11.00%	11.00%	$25.85
Mobile Homes *****	80%	20 yrs	7.50%	7.50%	$8.06
Mobile Homes *****	80%	25 yrs	7.99%	7.99%	$7.71
Personal Loan - $1,000 to $6,500		48 mos	12.00%	12.00%	$26.33
Line of Credit/Overdraft Protection - Max Line $4,500			15.00%	15.00%
Passbook Loan (Savers Co-Operative Bank account only)	Up to 95% of account balance. Rate is 4% above account rate $1,000 minimum

* 100% of purchase price for a new vehicle or 100% of NADA Retail Value for a used vehicle
** Titled Recreational Vehicles to include Travel Trailers, Motor Homes, Camping Trailers, Boats, Motorcycles - NO Airplanes, ATVs, or Snowmobiles.
*** APR is Annual Percentage Rate
**** Monthly payment per $1,000.00 borrowed.
***** No mobile home financing available on units older than 1976

The Banks lending area is defined in its loan policy.