Rates

Rates effective 12/1/2018
Rates subject to change without notice.

Loan Type	Terms	Annual Percentage Rate (APR)
Loans Rates
New Vehicle (Car, Truck, Van, or Motor Home)	New - 100% MSRP Up to 72 months (Car, Truck, or Van) Up to 144 months (Motor Homes only)	Rates as low as 3.25%
Used Vehicle (Car, Truck, Van, or Motor Home)	Used - 100% NADA Retail Term based on value of collateral	Rates as low as 3.25%
Signature Loan (Unsecured)	Up to $10,000 Maximum Term 5 years	Rates as low as 9.75%
New Motorcycle, Boat/Motor/Trailer, Travel Trailer, Farm & Garden Equip.	New - 100% Purchase Price Up to 72 months	Rates as low as 3.9%
Used Motorcycle, Boat/Motor/Trailer, Travel Trailer, Farm & Garden Equip.	Used - 100% Dealer Certified Term based on value of collateral	Rates as low as 3.9%
VISA Credit Card	Classic Card Platinum Card	7.9%, 9.9%, 12.9%
New Jet Ski & ATV's	New - 100% Purchase Price Up to 60 months	Rates as low as 3.9%
Used Jet Ski & ATV's	Used - 100% Dealer Certified Term based on value of collateral	Rates as low as 3.9%
Utility Trailer	New - 80% Purchase Price Up to 60 Months	Rates as low as 3.9%
Certificate of Deposit Secured	Term equals length of CD	2.00% above pledged CD
Share Secured	Maximum Term 5 years	2.00 % above current rate
Debt Consolidation	Up to $10,000 Maximum Term 5 years	18.00%
Over-Draft Protection	$500.00 Maximum Limit	18.00%
Real Estate	Call for current rates and details. 318-443-1200

Account Type	Terms	Dividend Rate	Annual Percentage Yield (APY)
Savings Rates All dividends are paid monthly. Savings rates are effective 7/1/2018.
Share Savings	Minimum balance of $25.00 required Balance of $25.00 - $100.00 Balance of $100.01 - UP	0.00% 0.30%	0.00% 0.30%
Share Draft (Checking)	No Minimum balance required Balance of $0.00 - $1,000.00 Balance of $1,000.01 - UP	0.00% 0.10%	0.00% 0.10%
Club Accounts/Vacation/Christmas	No Minimum balance required	0.30%	0.30%
IRA Savings	No Minimum balance required	1.00%	1.00%
6 - 11 Month Share Certificate	$500.00 Minimum balance required	0.50%	0.50%
12 - 23 Month Share Certificate	$500.00 Minimum balance required	0.80%	0.80%
24 - 35 Month Share Certificate	$500.00 Minimum balance required	1.10%	1.11%
36 Month Share Certificate	$500.00 Minimum balance required	1.20%	1.21%
6 - 11 Month IRA Share Certificate	$500.00 Minimum balance required	0.60%	0.60%
12 - 23 Month IRA Share Certificate	$500.00 Minimum balance required	0.90%	0.90%
24 - 35 Month IRA Share Certificate	$500.00 Minimum balance required	1.20%	1.21%