Mendocino County Rates savings rates loan rates				Rates EFFECTIVE: 10/01/2008 Regular Savings & IRA Savings Accounts   MINIMUM BALANCE TO QUALIFY FOR DIVIDEND RATE DIVIDEND RATE ANNUAL PERCENTAGE YIELD** Checking $.01 .10% .10% Regular Savings & Regular IRA Savings $300.00 .30% .30% Tiered Money Market $2,500.00 1.09% 1.10% Savings & Tiered IRA Money Market Savings $20,000.00 1.59% 1.60% Time Certificates & IRA Certificates   MINIMUM BALANCE TO QUALIFY FOR DIVIDEND RATE DIVIDEND RATE ANNUAL PERCENTAGE YIELD** 3 Months $2,500.00 1.49% 1.50% 6 Months $2,500.00 2.13% 2.15% 1 Year $1,000.00 2.57% 2.60% 2 Years $1,000.00 2.76% 2.80% 3 Years $1,000.00 2.96% 3.00% 4 Years $1,000.00 3.44% 3.50% INTEREST COMPOUNDS DAILY ** Annualized yield assumes all principal and interest remains in the account for one year, and that the rate in effect at deposit date remains in effect for the entire year. ALL RATES SUBJECT TO CHANGE Loan Rates Loan Type Maximum Loan Amount Term APR* *Annual Percentage Rate Special Rate Discounts New Autos Up to 125% of the lower of Purchase Price or MSRP including tax, license, registration & Warranty 36 Months 48 Months 60 Months 4.99% to 13.24% .25% reduction for automatic payments 72 - 84 Months (min. $10,000 - $20,000) Same as above 96 months 6.99% to 13.79% Used Autos Max. 8 Years Old Up to 125% of the lower of Purchase Price or Blue Book including tax, license, registration & Warranty 36 Months 48 Months 60 Months 5.24% to 13.49% .25% reduction for automatic payments 72 - 84 Months (min. $10,000 - $20,000) Same as above 96 months 7.24% to 14.29% Recreational Vehicles I (New RV, Campers, Trailers) 115% of the lower of Purchase price or MSRP including tax, license, registration & Warranty 36 Months 48 Months 60 Months 72 Months 7.54% to 13.54% .25% reduction for automatic payments 84 Months (min. $20,000) Same as above Recreational Vehicles I (Used RV, Campers, Trailers) Max. 5 Years Old 115% of the lower of Purchase Price or Blue Book -including tax, license, registration & Warranty 36 Months 48 Months 60 Months 72 Months 8.54% to 14.54% .25% reduction for automatic payments 84 Months (min. $20,000) Same as above New Only Recreational Vehicles 2 (New Motocycles, ATV, Boat, Jet Ski, Horse Trailer, Snow Mobile) 115% of the lower of Purchase Price or MSRP including tax, license, registration & Warranty 36 Months 48 Months 60 Months 6.85% to 12.85% .25% reduction for automatic payments 72 Months (min. $10,000) Same as above Unsecured Loans Minimum Loan Amount APR LOC $1,000.00 Prime Rate Plus 4.40% to 5.40% = 9.40% to 10.40% Savings Secured Share Secured Available Shares Share Rate + 4% CD Secured 95% of Certificate Share Rate + 4% Home Equity Line of Credit Minimum $10,000.00 Prime Rate + .75% Fully Indexed Rate = 5.75% 1st Mortgage We offer both a 30 year due in 5 years and 30 year due in 7 years. Rates are fixed interest rates with 0 points. Manufactured Homes   Double Wide Single Wide Rates 8.50% - 9.60% 9.50% - 10.60% *After 6 months, your APR will be fully indexed to the rate that is in effect at that time. Rate is set monthly at 0.75% above the prime rate on the last business day of each month. Certain restrictions may apply. All Loan rates are subject to change daily. All Loan rates are based on credit approval and history.