Rates effective February 22, 2008

Rates effective April 22, 2008
ALL RATES STATED ARE AS LOW AS RATES. YOUR RATE MAY DIFFER DUE TO CREDIT RATING OR AMOUNT FINANCED.

NEW & USED VEHICLES	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
2008 REFINANCES	Up To 48 Months	4.99%	$23.03
	49 - 60 Months	5.29%	$19.01
	61 - 72 Months	5.99%	$16.57
2007 REFINANCES	Up To 48 Months	5.99%	$23.62
	49 - 60 Months	6.59%	$19.61
	61 - 72 Months	7.29%	$17.19
2005 - 2006	Up To 60 Months	6.99%	$19.80
2003 - 2004	Up To 60 Months	7.59%	$20.08
2001 - 2002	Up To 48 Months	8.59%	$24.70
2000 & Older	Up To 36 Months	9.59%	$32.08
**TERMS BASED ON VALUE**
*APR Is The Annual Percentage Rate. APPLY FOR A LOAN    CALCULATORS    TOP

NEW & USED RECREATION VEHICLES	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
2007 Or Newer Refinances	Up To 36 Months	6.29%	$30.55
	37 - 60 Months	7.29%	$19.94
	61 - 84 Months	8.29%	$15.73
	85 - 120 Months	8.79%	$12.55
2004 - 2006 Refinances	Up To 36 Months	6.99%	$30.88
	37 - 60 Months	7.99%	$20.28
	61 - 84 Months	8.99%	$16.09
	85 - 120 Months	9.49%	$12.94
2003 Or Older Purchases and Refinances	Up To 36 Months	7.99%	$31.34
	37 - 60 Months	8.99%	$20.76
	61 - 84 Months	9.99%	$16.60
	85 - 120 Months	10.49%	$13.49
**TERMS BASED ON VALUE**
*APR Is The Annual Percentage Rate. APPLY FOR A LOAN    CALCULATORS    TOP

UNSECURED & PERSONAL	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
Up To 24 Months & Single Payment Notes Up To 12 Months**	Up To $1000	15.49%	$48.74 - 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	6.59%	$19.61 - 60 Mo Term
	61 - 120 Months	7.59%	$11.92 - 120 Mo Term
**Single payment notes may only be rewritten one time.
*APR Is The Annual Percentage Rate. APPLY FOR A LOAN    CALCULATORS    TOP

MOBILE HOMES - Length of term based on value up to 120 months .	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
2000 Or Newer	Up To 120 Months	9.99%	$13.21 - 120 Mo Term
1995 - 1999	Up To 120 Months	10.99%	$13.77 - 120 Mo Term
1994 Or Older	Up To 120 Months	11.99%	$14.35 - 120 Mo Term
*APR Is The Annual Percentage Rate. APPLY FOR A LOAN    CALCULATORS    TOP

HOME EQUITY	Term	APR* As Low As	Monthly Payment Per $1000 Borrowed
Home Equity Line Of Credit	80% LTV	Prime Rate - 0.10%	-
	Over 80% LTV	Prime Rate + 0.90%	-
Home Equity - Up To 60 Months - Fixed Rate	80% LTV	7.49%	$20.04
	Over 80% LTV	8.49%	$20.52
Home Equity - 61 - 120 Months - Fixed Rate	80% LTV	7.99%	$12.13
	Over 80% LTV	8.99%	$12.67
Ask about SOCU's 2.75% FIXED HELOC rate! Call 815-673-1589 today!
*APR Is The Annual Percentage Rate. APPLY FOR A LOAN    CALCULATORS    TOP

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.