Shown Rates are Effective for April 16, 2014

♦ Share Certificates

Term Minimum Dividend Rate APY*
3 Month Certificate $1,000 0.10% 0.10%
6 Month Certificate $1,000 0.20% 0.20%
1 Year Certficiate $1,000 0.35% 0.35%
18 Month Certificate
$1,000 0.45% 0.45%
2 Year Certificate $1,000 0.55% 0.55%
3 Year Certificate $1,000 0.75% 0.75%
4 Year Certificate $1,000 1.00% 1.00%
5 Year Certificate $1,000 1.24% 1.25%
1 Year Youth Certificate - 18 & Under $250 0.35% 0.35%
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Traditional, Roth & Education IRAs are available on 1-5 Year Terms.
APY* = Annual Percentage Yield

♦ Share Rates

Description Deposit to Open Balance to earn dividends Rate APY*
Regular Share (Savings) $5.00 $250.00 0.15% 0.15%
Captain Cash Savings $5.00 $5.00 0.15% 0.15%
Genesis Savings $5.00 $100.00 0.15% 0.15%
Individual Retirement Account None $250.00 0.25% 0.25%
Holiday/Vacation Club None $250.00 0.15% 0.15%
Money Market - Tier 1 None $2,500 - $9,999 0.05% 0.05%
Money Market - Tier 2 None $10,000 & Over 0.20% 0.20%
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APY* = Annual Percentage Yield

♦ Vehicle, Boat & Motorcycle Loans

Interest rate pricing tiers are based upon credit history and credit bureau score.

Description Term APR* Range
New - Less than 20,000 Miles
2013 & Newer
Up to 24 Months 1.99% - 9.99%
New - Less than 20,000 Miles
2013 & Newer
Up to 36 Months 1.99% - 9.99%
New - Less than 20,000 Miles
2013 & Newer
Up to 48 Months 1.99% - 9.99%
New - Less than 20,000 Miles
2013 & Newer
Up to 60 Months 1.99% - 9.99%
New - Less than 20,000 Miles
2013 & Newer
(loan amount greater than $20,000)
Up to 72 Months 4.49% - 12.49%
Used - 2008 - 2012 Models Up to 60 Months 3.49% - 10.99%
Used - 2005 - 2007 Models Up to 48 Months 5.19% - 12.69%
Used - 2004 & Older Up to 36 Months 8.69% - 16.19%
New Motorcycles 2013 & Newer Up to 60 Months 6.34% - 13.84%
New Motorcycles 2013 & Newer
(loan amount greater than $25,000)
Up to 72 Months 7.69% - 15.19%
Used Motorcycles 2012 & Older Up to 60 Months 6.84% - 14.34%
New Boat/Camper/RV 2013 & Newer Up to 60 Months 6.59% - 14.09%
New Boat/Camper/RV 2013 & Newer
(loan amount greater than $25,000)
Up to 72 Months 7.94% - 15.44%
Used Boat/Camper/RV 2012 & Older Up to 60 Months 7.59% - 15.09%
Non-Licensed Vehicles Up to 60 Months 8.89% - 16.39%

♦ Real Estate Loans

Description Type Term APR* Range
Home Equity Line of Credit Variable Rate 15 Years Prime + 0%

*HELOC rates will never go below 4.0% or higher than 18.0%
Primary Residence Only

♦ Unsecured Loans

Description Term APR* Range
Signature Loan 36 Months 10.24% - 17.74%
Signature Line of Credit 36 Months 10.24% - 12.74%
Home Improvement Loan Max 42 Months 7.90% - 16.40%

*Annual Percentage Rate. Actual assigned rate from listed range determined by credit score and history. Above rates effective 01/01/2014 and subject to change.