Rates

Loan Rates
Mortgage Rates
VISA Credit Card Rates
Auto Leasing
Savings Rates
Checking Rates

Loan Rates

All rates are Annual Percentage Rate (APR)
**APR quotes are 'start at' rates, final rate based on credit score. Unless otherwise stated all APR's are accurate as of 12/01/09
All rates are subject to change at any time.
Please call (402)697-8200 (877-697-8545 Toll Free) for current information
 Calculator
Auto
Type APR Terms
New 5.75 Up to 48 Months
5.99 Up to 60 Months
6.75 Up to 72 Months (based upon credit score & vehicle)
Used 5.75 Up to 48 Months
5.99 Up to 60 Months
6.75 Up to 72 Months (based upon credit score & vehicle)
Auto Equity 5.75 Up to 48 Months
5.99 Up to 60 Months
6.75 Up to 72 Months (based upon credit score & vehicle)


Effect date: 7/01/2009 Calculator
RV Loan /Motor Home/Boat/Motorcycle
Type Term Rate
New or Used RV Loan /Motor Home/Boat/Motorcycle up to 60 months 6.49%
up to 72 months 7.49%


$2,500-4,999 *Prime + 4.50% $5,000-25,000 Prime + 3.00% 04/01/09 Calculator
Lines of Credit
Type APR Daily Periodic APR
Mutual 1st Line *Variable rate-subject to change after loan is closed
$2,500 to $4,999 7.75* 0.232877 Prime Effective 10/8/08
$5,000 to $25,000 7.50* 0.022603 Prime Effective 10/8/08
Overdraft Line 18.000


Calculator
Other Secured Loans
Type APR Terms
Other Collateral 8.240 Up to 60 Months (up to 36 months on computers)


Effective 12/16/08 Calculator
Saving Secured Loans
Type APR Terms
Pledge of Savings 3.60% Up to 12 Months (3% above highest savings rate)
Certificate Assignment 3.50% above assigned certificate rate Up to 60 Months


Effective 10/21/08 Calculator
Personal Loans
Type APR Terms
Less than $2,500 12.90 Up to 36 Months
$2,500 to $4,999 11.90 Up to 36 Months
$5,000 Plus ("A" FICO Rating Only) 10.90 Up to 36 Months

Mortgage Rates

3/1/10
Rates are based on $150,000 financing.
Rates are subject to change at any time. Calculator
First Mortgage
Type APR Terms
First Mortgage Fixed 5.125 30 Year Fixed
First Mortgage Fixed 4.875 20 Year Fixed
First Mortgage Fixed 4.625 15 Year Fixed
30 year fixed -1.0 point 4.875 30 Year Fixed, 1 point buy down
20 year fixed -1.0 point 4.500 20 Year Fixed, 1 point buy down
15 year fixed -1.0 point 4.500 15 Year Fixed, 1 point buy down


Effective 08/17/09 Calculator
Home Equity Closed End
Type APR Terms
Closed-end 5 year, 5 year amortized 5.99 80% equity used after financing
6.99 90% equity used after financing
Closed-end 10 year, 10 year amortized 7.25 80% equity used after financing
8.75 90% equity used after financing
Closed-end 15 year, 15 year amortized 8.75 80% equity used after financing
Other rates & terms available


Calculator
Home Equity Line of Credit
Type APR
Open End (Line of Credit) 6.99* (daily periodic Rate starts at 0.019863)
* Variable rate-subject to change after loan is closed		 Wall Street Journal Prime Rate
Rate Effective 10/08/08

VISA Credit Card Rates

*Your APR may be higher. Your credit score will determine which ANNUAL PERCENTAGE RATE applies to you at account opening. Penalty Rate of 17.99% applies should your minimum payment become sixty days past due until six consecutive min payments are made when due. In no case will your APR exceed 17.99%. Minimum Payment Calculator
VISA Credit Cards
Type APR
VISA PLATINUM 8.99%* No Rewards Program
VISA BUSINESS 8.99%*
VISA PLATINUM PLUS 10.99%* With Benefits and ScoreCard Rewards


Calculator
VISA Credit Card Additional
Grace Period Method of Computing Balance Annual Fee Minimum Finance Charge Transaction Fee for Purchases Other Charges
Purchases 25 days
Cash Advances accrue interest from the date the advance is made		 Average Daily Balance Method (including current transactions) NONE NONE NONE Return Check Fee-$24
Late Payment Fee-$25

Card Replacement Fee-$5

Auto Leasing

Calculator
Auto Leasing
Type APR Terms
Not offered at this time

Savings Rates

All rates are Annual Percentage Yield (APY)
Unless otherwise stated all APY's are accurate as of 3/02/10
All rates (APY's) are subject to change at any time.
All rates are prospective.
Fees applied to any of these accounts may reduce the earnings on the account
Please call (402)697-8200 (877-697-8545 Toll Free) for current information.
 Calculator
Regular Savings
Type Account Balance Prospective Dividend Rate Prospective APY
All paid quarterly Less than $1000 .150 .150
$1000-$9,999 .300 .300
Over $10,000 .500 .501


Calculator
IRA Regular Savings
Type Account Balance Prospective Dividend Rate Prospective APY
(Paid Quarterly) All Balances 1.000 1.004


$100 initial deposit required
1 annual withdrawal allowed per calendar year (January through December)
Over 1 withdrawal per year $25.00 per withdrawal Calculator
Jump Start Savings
Type Account Balance Prospective Dividend Rate Prospective APY
Paid Quarterly $100 - $5000 1.500 1.508


3/02/10 Calculator
Health Savings
Type Account Balance Prospective Dividend Rate Prospective APY
(Paid Quarterly) All Balances 1.500 1.510


(Paid Monthly)
Includes IRA Certificates
*Penalty may be imposed for early withdrawal
Certificates offered for limited time only. Offer may end at any time.
 Calculator
Certificate Savings Specials
Type Term Dividend Rate APY
26 Month Special 26 months 2.084 2.100
Student Certificate (24 and younger) $100 minimum Add on Anytime Current 12 month rate


(Paid Quarterly)
Includes IRA Certificates
*Penalty may be imposed for early withdrawal Calculator
Certificate Regular Rates
Type Term Dividend Rate APY
Minimum Deposit $1,000
(Youth under age 18 $500)
Certificate Builder
12 Month Rate		 * 12 Months 0.900 0.903
* 24 Months 1.250 1.257
* 36 Months 2.000 2.015
* 48 Months 2.400 2.427
* 60 Months 2.850 2.888
Minimum Deposit $10,000
* 6 Months 0.850 0.853
* 12 Months 1.150 1.155
* 24 Months 1.500 1.508
* 36 Months 2.200 2.218
* 48 Months 2.550 2.574
* 60 Months 3.000 3.042


Effective 3/02/10 Calculator
First Market Savings
Type Account Balance Prospective Dividend Rate Prospective APY
(Paid Monthly) Less than $2,500 0.000 0.000
$ 2,500 - 9,999 0.450 0.451
$ 10,000 - 24,999 0.600 0.602
$25,000 - 49,999 0.750 0.753
$50,000 - 99,999 0.850 0.853
$100,000 & over 1.000 1.005
High Yield Accounts $0 - 49,999 0.000 0.000
$50,000 + 1.500 1.510


Calculator
Club Accounts
Type Account Balance Prospective Dividend Rate Prospective APY
Holiday Club (Paid Nov 1st) All Balances 1.000 1.000
Vacation Club (Paid 1x per year) All Balances 1.000 1.000

Checking Rates

*Rates paid when monthly cycle qualifications are met. **Non-Qualifying rate Calculator
Checking Accounts
Type Account Balance Prospective Dividend Rate Prospective APY
1st Rate and Silver & Gold Checking (paid Monthly) $500.01-$5,000.00 0.100 0.100
1st Rate and Silver & Gold Checking (paid Monthly) $5,000.01 Plus 0.300 0.300
Free Account All Balances 0.000 0.000
Rewards Checking * $0-$25,000 3.938% 4.010%
Rewards Checking * over $25,001 1.005% 1.010%
Rewards Checking ** 0.10% 0.100%