Rates

Share/Savings Rates

Share Type	Minimum Balance	Dividend Rate¹	APY**
Regular Shares	$5.00	0.75%	0.75%
Holiday Shares	None	0.75%	0.75%
Vacation Shares	None	0.75%	0.75%
IRA & Roth IRAs	None	0.85%	0.85%
Alternate Shares	None	0.75%	0.75%
Statement Savings	None	0.75%	0.75%
Super Saver	None	0.75%	0.75%

Share/IRA Certificate

Term	Dividend Rate¹	APY**
3 Months	3.93%	4.00%
4 Months	3.93%	4.00%
5 Months	3.93%	4.00%
6 Months	4.17%	4.25%
12 Months	4.17%	4.25%
24 Months	3.20%	3.25%
36 Months	3.20%	3.25%
60 Months	3.20%	3.25%

¹Assumes dividends remain on deposit for 1 year. $500 minimum deposit to open account and earn APY. Share certificates are term accounts, and a penalty will be imposed for early withdrawal.

Money Market

Balance	Tier	Dividend Rate¹	APY**
$0 to $2,499.99	1st	0.00%	0.00%
$2,500 to $9,999.99	2nd	1.34%	1.35%
$10,000 to $24,999.99	3rd	1.44%	1.45%
$25,000 to $49,999.99	4th	1.64%	1.65%
$50,000 +	5th	1.98%	2.00%

¹Dividends are compounded daily and paid monthly. Once the threshold is met, rates apply to the entire balance.

Up to $125,000

Auto Loans - New

Term	APR* as Low as	Monthly Payment
36 Months	5.45%	$30.18
48 Months	5.99%	$23.48
60 Months	5.99%	$19.33
72 Months	6.29%	$16.71
84 Months	6.99%	$15.09
120 Months	7.99%	$12.13

All payments quoted above based upon $1,000 borrowed. 120 Month term only for auto loans over $75,000.
Exceptions priced above regular auto loan rates by specified percentage:

• Over 115% - 125% Loan to Value (LTV) +1.00%
• Over 125% - 150% LTV + 2.00%
• Recreational Vehicles + 5.00%

Up to $125,000

Auto Loans - Used

Term	APR* as Low as	Monthly Payment
36 Months	5.45%	$30.18
48 Months	5.99%	$23.48
60 Months	5.99%	$19.33
72 Months	6.29%	$16.71
84 Months	6.99%	$15.09
120 Months*	7.99%	$12.13

All payments quoted above based upon $1,000 borrowed. 120 Month term only for auto loans over $75,000.
Exceptions priced above regular auto loan rates by specified percentage:

• Over 115% - 125% Loan to Value (LTV) +1.00%
• Over 125% - 150% LTV + 2.00%
• Recreational Vehicles + 5.00%

Up to $10,000

Personal Line of Credit

PLOC Rate	Term	APR* as Low as
Variable Rate = Prime + 7% - Changes Monthly	Revolving	14.50%

Up to $60,000

Unsecured Personal Loan

Term	APR* as Low as	Monthly Payment
36 Months	9.99%	$32.26
48 Months	10.99%	$25.85
60 Months	11.39%	$21.94
72 Months	12.39%	$19.75
84 Months	13.39%	$18.40

All payments quoted based upon $1,000 borrowed.

Seasonal Loan

Balance	Term	APR* as Low as	Monthly Payment
$500 to $2,500	12 months	8.99%	$87.43

All payments quoted based upon $1,000 borrowed.

100% of share value

Share Secured Loan

Term	APR* as Low as	Monthly Payment
Up to 60 months	3.75%	$18.31
61-120 months	4.25%	$10.25

All payments quoted based upon $1,000 borrowed.

Up to $5,000

Credit Builder Loan

Term	APR* as Low as	Monthly Payment
Up to 60 months	3.75%	$18.31

All payments quoted based upon $1,000 borrowed.

Credit Cards

Credit Type	Term	Maximum	APR* as low as
Visa® Platinum 1% cash back	Revolving	$60,000	12.90%
Visa® Prestige Variable rate = Prime + 3% (changes quarterly)	Revolving	$60,000	10.50%

Home Equity¹ Loan Rates

$5,000 Minimum

Fixed Rate Home Equity

Term	APR* as Low as	Monthly Payment
36 months	5.99%	$30.42
60 months	5.99%	$19.33
120 months	6.24%	$11.23
180 months	6.74%	$8.85
240 months	6.99%	$7.75

Home Equity Line of Credit (HELOC)¹ Rate

$5,000 Minimum

Home Equity Line of Credit

Term	APR* as Low as	Monthly Payment²
120 months Variable rate = Prime - 1.50% Rate floor = 4.00%	6.00%	$11.11

¹All home equity loan payments quoted based upon $1,000 borrowed. $100.00 government recording fee due at time of application. Loans limited to 85% of property value minus any existing liens. Loans are limited to 1 to 4 family, owner occupied or second homes which are residential properties located in Pennsylvania. All Home Equity Loans require an appraisal. Appointment required to apply.

²Minimum monthly payment of $20.00.