**All rates are effective February 23, 2012, and are subject to change.

SUMMARY OF INTEREST RATES
*APR Is The Annual Percentage Rate.
New & Used Vehicles	As Low As	2.99% APR*
New & Used Recreational Vehicles	As Low As	5.99% APR*
Credit Cards	As Low As	10.90% APR*
Home Equity Loans	As Low As	4.44% APR*
Unsecured & Personal Loans	As Low As	7.99% APR*
Mobile Homes	As Low As	9.99% APR*
Mortgages	As Low As	APR* CHANGES DAILY

ALERT ME! BE THE FIRST TO KNOW WHEN OUR RATES DROP!

Loan Specials	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
*APR Is The Annual Percentage Rate.                                                                        APPLY FOR A LOAN - TOP
Minimum $10,000 Unsecured Loan Special	Up to 60 Months	7.99%	$20.28

RECEIVE .25% APR OFF YOUR NEXT VEHICLE LOAN FROM SOCU IF YOU HAVE AN SOCU VISA CREDIT CARD.

HOME EQUITY LINE OF CREDIT SPECIAL 2.99% APR FIXED FOR 24 MONTHS

New & Used Vehicles	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
*APR Is The Annual Percentage Rate.                                                                        APPLY FOR A LOAN - TOP
ALL Model Year Vehicle Purchases	Up to 63 Months	2.99%	$15.19
	64 - 72 Months	2.99%	$15.19
2011 or NEWER *Refi Special*	up to 63 Months	2.99%	$17.17
2010 REFINANCES	Up to 63 Months	4.99%	$18.08
	64 - 72 Months	5.49%	$16.34
2008 - 2009 REFINANCES	Up to 60 Months	5.99%	$19.33
2007 & older Vehicle REFINANCE	Up to 60 Months	6.99%	$19.80

New & Used Recreation Vehicles	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
*APR Is The Annual Percentage Rate.                                                                        APPLY FOR A LOAN - TOP
2010 Or Newer Purchases	0 - 63 Months	4.99%	$18.08
	64 - 120 Months	5.99%	$11.10
2009 and Older	0 - 63 Months	5.49%	$18.31
	64 - 120 Months	6.49%	$11.35
2010 Or Newer Refinances	0 - 63 Months	5.99%	$18.54
	64 - 120 Months	6.99%	$11.61
2009 and Older	0 - 63 Months	6.49%	$18.78
	64 - 120 Months	7.49%	$11.87

MOBILE HOMES - Length of term based on value up to 120 months .	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
*APR Is The Annual Percentage Rate.                                                                        APPLY FOR A LOAN - TOP
2002 Or Newer	Up To 120 Months	9.99%	$13.21
1997 - 2001	Up To 120 Months	10.99%	$13.77 - 120 Mo Term
1996 Or Older	Up To 120 Months	11.99%	$14.35 - 120 Mo Term

UNSECURED & PERSONAL	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
*APR Is The Annual Percentage Rate.                                                                        APPLY FOR A LOAN - TOP
Up To 24 Months &Single Payment Notes Up To 12 Months**	Up To $1000	15.49%	$48.03 - 24 Mo Term
	$1,000.01 - $3,000.00	13.99%	$48.03 - 24 Mo Term
	$3,000.01 & Over	11.99%	$47.09 - 24 Mo Term
25 months to 60 months	-	15.49%	$24.06 - 60 Mo Term
Checking Line Of Credit	-	12.90%	-
Full Share Pledge	Up To 60 Months	4.99%	$18.87 - 60 Mo Term
	61 - 120 Months	6.99%	$11.61 - 120 Mo Term
Minimum $10,000 Unsecured Loan Special	Up to 60 Months	7.99%	$20.28
**Single payment notes may only be rewritten one time.

Home Equity	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
*APR Is The Annual Percentage Rate.                                                                        APPLY FOR A LOAN - TOP
Home Equity Line Of Credit	80% LTV	Prime Rate - 0.10%	-
Home Equity - Up To 60 Months - Fixed Rate	80% LTV - **SPECIAL RATE**	4.44%	$18.62
Home Equity - 61 - 120 Months - Fixed Rate	80% LTV - **SPECIAL RATE**	5.55%	$10.88
Home Equity Line of Credit Special	2.99% FIXED A.P.R. for 24 months!

Checking Line of Credit	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
*APR Is The Annual Percentage Rate.                                                                        APPLY FOR A LOAN - TOP
Checking Line of Credit	Minimum monthly payment is $50.00 based on a $500 limit.	12.90%	-

Visa ®	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
*APR Is The Annual Percentage Rate.                                                                        APPLY FOR A LOAN - TOP
Visa Platinum with ScoreCard Rewards	Monthly payment is 2% of outstanding balance.	10.90%	-
Visa Classic	Monthly payment is 3% of outstanding balance.	13.90%	-

*Annual Percentage Rates. All rates are subject to change without notice. The rate may vary based on credit, value and term. Terms will be based on value and credit. All loans are subject to credit approval. Monthly payments amounts are based per $1,000.00 financed.

First Mortgage Real Estate

Ask a Loan Officer for Today's Rates.

ALL RATES SUBJECT TO CHANGE WITHOUT NOTICE. ALL RATES ARE QUOTED AS LOW AS RATES. YOUR RATE MAY DIFFER FROM LOWEST QUOTED RATE DUE TO CREDIT OR COLLATERAL VALUE.