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Share Accounts | Share Certificates | IRA Certificates | Fixed-Rate Loans | Variable-Rate Loans

*Share Accounts* ¹	Dividend Rate	Annual Percentage Yield ^2,3
Regular Share Account Avg. Daily Balance $25 and up	0.35%	0.35%	Apply Online Coming Soon

Regular/Student Checking Account Avg. Daily Balance $25 and up	0.10%	0.10%	Apply Online Coming Soon

Christmas/Vacation Club Avg. Daily Balance $25 and up	0.10%	0.10%	Apply Online Coming Soon

Super 60 Savings Account Avg. Daily Balance $600 and up Avg. Daily Balance $25-$599.99	1.25% 0.35%	1.26% 0.35%	Apply Online Coming Soon

Money Market Account Avg. Daily Balance $500 and up Avg. Daily Balance $25-$499.99 and up	0.75% 0.35%	0.75% 0.35%	Apply Online Coming Soon

Trust/Custodian Accounts Avg. Daily Balance $25 and up	0.35%	0.35%	Apply Online Coming Soon

Individual Retirement Account (Shares) Avg. Daily Balance $25	1.25%	1.26%	1-800-951-8000


¹Share/Checking accounts require $25.00 to open except for the Regular Checking Account. Regular Checking requires an opening deposit of at least $50.00. ²All share accounts earn 0.00% APY when average daily balance is below $25.00. ³Fees may reduce earnings. Adobe .pdf Version - Click Here

*Share Certificates*	Dividend Rate	Annual Percentage Yield ¹	Minimum Opening Deposit
5-Month	0.95%	0.95%	$500

6-Month Jumbo	1.25%	1.26%	$50,000

6-Month	1.00%	1.01%	$2,000

12-Month	1.25%	1.26%	$2,000

18-Month	1.50%	1.51%	$2,000

24-Month	1.75%	1.76%	$2,000

36-Month	2.10%	2.12%	$2,000

60-Month	2.20%	2.22%	$2,000

¹Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days' dividends earned. Adobe .pdf Version - Click Here

*IRA Certificates*	Dividend Rate	Annual Percentage Yield ¹	Minimum Opening Deposit
12-Month	1.25%	1.26%	$2,000

24-Month	1.75%	1.76%	$2,000

36-Month	2.10%	2.12%	$2,000

60-Month	2.20%	2.22%	$2,000

¹Early withdrawal penalties will substantially reduce stated APY by up to the equivalent of 180 days interest earned. Adobe .pdf Version - Click Here

*Fixed-Rate Loans*	Annual Percentage Rate
New/Used Automobile¹	5.25%-6.75%	Apply Online

Debt Consolidation	10.20%	Apply Online

Christmas/Vacation Loan	10.75%	Apply Online

Personal Computer Loan	10.75%	Apply Online

First Mortgage Loans	Call for Quote	Apply Online - Hickory/Charlotte/Asheville Area Apply Online - Triad/Triangle/Fayetteville Area

Land Loans	Call for Quote	1-800-951-LOAN

¹Rate depends on percent equity in vehicle. Lowest rate requires 15% equity/down payment. Highest rate assumes 0% equity (100% loan to value) Adobe .pdf Version - Click Here

*Variable-Rate Loans*¹	Annual Percentage Rate
Unsecured Advance	10.75%	Apply Online

Unsecured Line of Credit	10.75%	Apply Online

Visa Credit Card	10.75%	Apply Online

Boats/RVs	8.25%	1-800-951-LOAN

Other Secured Advance (Stocks)	4.00%	1-800-951-LOAN

Savings or Certificate Secured	2..50%	1-800-951-LOAN

LoanLiner Home Equity	4.25%	Apply Online

FAST Equity Loan	4.25%	Apply Online

Equity Access Line of Credit	5.50%	Apply Online

Visa Debit Line of Credit	10.75%	1-800-951-LOAN

Mobile and Manufactured Homes	Call for Details	1-800-951-LOAN

¹Variable rate loans are subject to change and can increase or decrease after closing. Adobe .pdf Version - Click Here

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