Rates subject to change without notice.

Checking Account Rates1
Effective as of 2008-11-20 11:42:59

APY = Annual Percentage Yield

Account Name Rate APY
NOW Checking 0.25% 0.25%
Club 55 NOW Checking 0.25% 0.25%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Direct Checking Rates1
Effective as of 2008-11-20 11:42:59

Account Name Rate APY
IC Direct Checking 1.25% 1.26%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Savings Account Rates1
Effective as of 2008-11-20 11:42:59

Account Name Rate APY
Statement Savings 0.40% 0.40%
Passbook Savings 0.40% 0.40%
Status One™ Savings 0.40% 0.40%
Youth Savings 0.40% 0.40%
Christmas Club Savings 0.40% 0.40%
IRA Savings
$50 - $9,999.99		 0.85% 0.85%
IRA Savings
$10,000 - $24,999.99		 1.15% 1.16%
IRA Savings
$25,000 - $49,999.99		 1.15% 1.16%
IRA Savings
$50,000 & over		 1.40% 1.41%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Direct Savings Rates1
Effective as of 2008-11-20 11:42:59

Account Name Daily Balance* Rate** APY
IC Direct Savings$50.00 - $4,999.99 2.320% 2.350%
IC Direct Savings$5,000.00 - $24,999.99 2.320% 2.350%
IC Direct Savings$25,000.00 - $49,999.99 2.320% 2.350%
IC Direct Savings$50,000.00 & over 2.320% 2.350%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest


Money Market Rates1,2
Effective as of 2008-11-20 11:42:59

Account Name Daily Balance Rate APY
Money Market Platinum$50.00 - $9,999.99 0.50% 0.50%
Money Market Platinum$10,000.00 - $24,999.99 1.00% 1.01%
Money Market Platinum$25,000.00 - $49,999.99 1.90% 1.92%
Money Market Platinum$50,000.00 and over 2.20% 2.22%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Share Certificate Rates1,2
Effective as of 2008-11-20 11:42:59

 Min. Deposit $1000Min. Deposit $5000
Account NameBase RateAPYBase RateAPY
90-Day Term CD 2.53% 2.54% 2.53% 2.54%
Six-Month Term CD 2.93% 2.95% 2.93% 2.95%
One-Year Term CD 3.25% 3.30% 3.25% 3.30%
18-Month Term CD 3.44% 3.50% 3.44% 3.50%
Two-Year Term CD 3.54% 3.61% 3.54% 3.61%
Three-Year Term CD 3.78% 3.85% 3.78% 3.85%
Four-Year Term CD 3.92% 4.00% 3.92% 4.00%
Five-Year Term CD 3.92% 4.00% 3.92% 4.00%
Peace of Mind CD† 3.68% 3.75% 3.68% 3.75%

†Minimum opening deposit for Peace of Mind CD is $1,000.00 and the term is 12-27 months.

New Vehicle Auto Loan Rates
Effective as of 2008-11-20 11:42:59

APR = Annual Percentage Rate

Model YearsTermAPRWith Auto Pay
2009 & 2008 24 Months 5.24% 4.99%
36 Months 5.24% 4.99%
48 Months 5.24% 4.99%
60 Months 5.50% 5.25%
66 Months 6.24% 5.99%
$15K min 72 Months 6.24% 5.99%
$30K min 84 Months 7.50% 7.25%

Used Vehicle Auto Loan Rates
Effective as of 2008-11-20 11:42:59

Model YearsTermAPRWith Auto Pay
2009 & 2008 60 Months 5.50% 5.25%
2007 60 Months 5.75% 5.50%
2006-2005 60 Months 5.75% 5.50%
2004 60 Months 6.24% 5.99%
2003 60 Months 6.24% 5.99%
2002 60 Months 6.24% 5.99%
2001 60 Months 6.75% 6.50%
2000 & Under 60 Months 8.99% 8.74%

RVs, Boats, Motorcycle Loan Rates
Effective as of 2008-11-20 11:42:59

Loan TypeTermAPRWith Auto Pay
Motorcycles - New 60 Months 9.24% 8.99%
Motorcycles - Used 48 Months 9.99% 9.74%
RVs - New
(2006-2008)		 144 Months
(Contact us
for other terms) 		8.75% 8.50%
RVs - Used
(2003-2007)		 120 Months
(Contact us
for other terms) 		9.24% 8.99%
Boats - New 144 Months 10.24% 9.99%
Boats - Used 120 Months 11.24% 10.99%

Other Consumer Loan Rates
Effective as of 2008-11-20 11:42:59

Loan TypeTermAPRWith Auto Pay
Single Pay 90 Days 14.50% N/A
Energy Loan
$500 - $10,000		 up to 96 Months 9.990% N/A
Home Improvement
$500 - $10,000		 up to 180 Months 13.25% 13.00%
Personal Loans up to 48 months 13.24% as low as 12.99%
Smart Choice Loan 90 Days 14.50% N/A
Smart Choice Line of Credit (Overdraft)   14.50% N/A
Collateral Loan
3% above savings rate		      

Home Equity Rates
Effective as of 2008-11-20 11:42:59

APR = Annual Percentage Rate

Lines of Credit
80% Loan to Value & Under		 Term APR
$10,000 and Up 3.50% 6 Month Promo then Prime minus 1.00% For Life see term
80% Loan to Value & Over Term APR
$10,000 and Up 3.50% 6 Month Promo then Prime plus 1.75% For Life see term
Expanded Approval Lifetime Equity
Prime Plus 3.75% for Life

IC will pay insurance premium for PMI on 95% lines of credit.

Prime Rate
Effective as of 2008-10-30 08:46:10

Prime Rate
4.000%

Fixed Equity Rates
Effective as of 2008-11-20 11:42:59

Term APR
1-5 Years 5.490%
6-10 Years 6.375%
11-15 Years 6.750%
16-20 Years 6.990%

Borrower to pay PMI premium on fixed rate loans over 80% Loan to Value.

All equity products have no points, no application fee and no pre-payment fee. However, a waiver of fees must be signed at the time of application. Refer to product description for value determination and appraisal requirements.

Fixed Rate Mortgages
Effective as of 2008-12-03 09:44:16

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APR
00.000%0.000%
10.000%0.000%
20.000%0.000%

30 Year Mortgage

Points Interest Rate APR
05.500%5.538%
15.250%5.378%
25.000%5.216%

20 Year Mortgage

Points Interest Rate APR
05.500%5.551%
15.250%5.423%
25.000%5.294%

15 Year Mortgage

Points Interest Rate APR
05.500%5.565%
15.250%5.469%
25.000%5.374%

10 Year Mortgage

Points Interest Rate APR
05.375%5.467%
15.125%5.437%
24.875%5.408%

Interest First Mortgages
Effective as of 2008-12-03 09:44:16

15/15 Fixed

Points Interest Rate APR
07.875%7.919%
17.625%7.773%
27.375%7.625%

10/20 Fixed

Points Interest Rate APR
07.875%7.919%
17.625%7.773%
27.375%7.625%

Interest Only Mortgages
Effective as of 2008-12-03 09:44:16

3/1 ARM (3 Year Int. only)

Points Interest Rate APR
05.875%4.322%
15.625%4.350%
25.375%4.378%

3/1 ARM (10 Year Int. only)

Points Interest Rate APR
05.875%4.322%
15.625%4.350%
25.375%4.378%

5/1 ARM (5 Year Int. only)

Points Interest Rate APR
06.125%4.705%
15.875%4.699%
25.625%4.693%

5/1 ARM (10 Year Int. only)

Points Interest Rate APR
06.125%4.705%
15.875%4.699%
25.625%4.693%

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2008-12-03 09:38:46

($100,000.00 minimum loan requirement)

30 Years

Interest Rate APR
N/AN/A

20 Years

Interest Rate APR
N/AN/A

15 Years

Interest Rate APR
N/AN/A

10 Years

Interest Rate APR
N/AN/A

Adjustable Rate Mortgage
Effective as of 2008-12-03 09:38:12

Margin: 2.875%

5% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndex
7 Years6.000%4.925%.93%
5 Years5.875%4.608%.93%

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndex
3 Years5.625%4.262%.93%
1 Year5.750%3.997%.93%

* After the initial fixed period expires, rates are adjusted on a 1 year period.
** Rate listed is for No Point ARMs

Construction Loans
Effective as of 2008-12-03 09:44:16

(6 month construction period interest only based on prime rate.)

30 Years

PointsInterest Rate APR
05.750%5.872%
15.500%5.714%
25.250%5.554%

15 Years

PointsInterest Rate APR
05.750%5.957%
15.500%5.863%
25.250%5.770%

Fixed Rate Investment Properties
Effective as of 2008-12-03 09:38:46

30 Years

Interest Rate APR
5.625%5.663%

15 Years

Interest Rate APR
5.625%5.690%

1-2 family purchase 15% down payment required
3-4 family purchase 25% down payment required

other fees may be applicable

Prime Rate
Effective as of 2008-10-30 08:46:10

Prime Rate

4.000%


1 Fees may reduce earnings on applicable accounts
2 A penalty may be assessed for early withdrawal