Rates

Share/Savings Rates

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

Share/IRA Certificate

Term	Dividend Rate	APY**
3 Months	%	%
6 Months	%	%
12 Months	%	%
24 Months	%	%
36 Months	%	%
60 Months	%	%

$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	%	%
$2,500 to $9,999.99	2nd	%	%
$10,000 to $24,999.99	3rd	%	%
$25,000 to $49,999.99	4th	%	%
$50,000+	5th	%	%

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	%
48 Months	%
60 Months	%
72 Months	%
84 Months	%
120 Months	%

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	%
48 Months	%
60 Months	%
72 Months	%
84 Months	%
120 Months*	%

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	%

Up to $60,000

Unsecured Personal Loan

Term	APR* as Low as	Monthly Payment
36 Months	%
48 Months	%
60 Months	%
72 Months	%
84 Months	%

All payments quoted based upon $1,000 borrowed.

Seasonal Loan

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

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	%
61-120 months	%

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	%

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	%
Visa® Prestige Variable rate = Prime + 3% (changes quarterly)	Revolving	$60,000	%

Home Equity¹ Loan Rates

$5,000 Minimum

Fixed Rate Home Equity

Term	APR* as Low as	Monthly Payment
36 months	%
60 months	%
120 months	%
180 months	%
240 months	%

Home Equity Line of Credit (HELOC)¹ Rate

$5,000 Minimum

Home Equity Line of Credit

Term	APR* as Low as	Monthly Payment²
10yr/10yr Variable rate = Prime - 1.50% Rate floor = 4.00%	%

¹All home equity loan payments quoted based upon $1,000 borrowed. $150.00 recording fee. All Home Equity Loans require an appraisal at borrower’s expense. 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. Appointment required to apply.

²Minimum monthly payment of $20.00.