DIVIDEND RATES
(Second Quarter, 2008)

LOAN RATES
(as of June 19, 2008)

First Mortgages*
Term:	APR**	Points	Origination
15-Year Fixed $25,000 - $50,000	6.50%	0	2
15-Year Fixed $50,001 - $250,000	5.50%	0	1
15-Year fixed $250,000 - Call for Maximum	6.00%	0	1
30-Year Fixed $25,000 - $50,000	6.75%	0	1
30-Year Fixed $50,001 - $200,000	5.75%	0	1
30-Year Fixed$250,000 - Call for Maximum	6.25%	0	1
V.A. Loan Fixed (Variable V.A. Funding Fee)	5.75%	0	1
5-Year Renewable	5.25%	0	1
Modification Agreement			2

*Real estate rates and terms effective 06/19/2008 until changed
**APR = Annual Percentage Rates

Second Mortgages*
Term:	APR**	Points	Origination
10-Year Fixed Rate	6.75%	0	½
5-Year Renewable	6.50%	0	½
5-Year Fixed Rate up to $15,000	5.50%	0	½
7-Year Fixed Rate up to $20,000	6.50%	0	½
Home Equity Line of Credit (Prime as of 1/04 + 1.5%)	8.75%	0	½
FHA Home Improvement Loan	8.25%	0	½

*Real estate rates and terms effective 06/19/2008 until changed
**APR = Annual Percentage Rates

New Model Cars/Trucks   APR*
Beacon Score/Grade:	24 Mos.	36 Mos.	48 Mos.	60 Mos.	72 Mos.
730+/Platnum	4.75%	5.00%	5.25%	5.25%	5.75%
680 - 729/A	5.00%	5.25%	5.50%	5.50%	6.00%
640 - 679/B	5.25%	5.50%	5.75%	5.75%	6.25%
600 - 639/ C	6.75%	7.00%	7.25%	7.25%	7.75%
550 - 599/D	8.75%	9.00%	9.25%	9.25%	N/A
549 or less/E	11.75%	12.00%	12.25%	12.25%	N/A

*APR = Annual Percentage Rate

Used Cars/Trucks APR*
Beacon Score/Grade:	24 Mos.	36 Mos.	48 Mos.	60 Mos.
730+/Platnum	5.25%	5.50%	5.75%	6.00%
680 - 729/A	5.50%	5.75%	6.00%	6.25%
640 - 679/B	6.00%	6.25%	6.50%	6.75%
600 - 639/ C	7.50%	7.75%	8.00%	8.25%
550 - 599/D	9.50%	9.75%	10.00%	10.25%
549 or less/E	12.00%	12.25%	12.50%	N/A

*APR = Annual Percentage Rate

	New Boats/Motorcycles/Recreational Vehicles APR*
Beacon Score/Grade:	36 Mos.	48-60 Mos.	61-72 Mos.	73-84 Mos.	85-120 Mos.
730+/Platnum	5.00%	5.50%	5.75%	6.25%	6.75%
680 - 729/A	5.25%	5.75%	6.00%	6.50%	7.00%
640 - 679/B	5.75%	6.00%	6.25%	6.75%	7.25%
600 - 639/ C	7.25%	7.50%	7.75%	8.25%	8.75%
550 - 599/D	9.25%	9.50%	9.75%	N/A	N/A
549 or less/E	11.75%	12.00%	12.75%	N/A	N/A

*APR = Annual Percentage Rate

Used Boats/Motorcycles/Recreational Vehicles APR*
Beacon Score/Grade:	24 Mos.	36-48 Mos.	49-60 Mos.	61-84 Mos.
730+/Platnum	5.50%	6.00%	6.25%	7.00%
680 - 729/A	5.75%	6.25%	6.50%	7.25%
640 - 679/B	6.00%	6.25%	6.50%	7.75%
600 - 639/ C	7.50%	8.00%	8.25%	8.75%
550 - 599/D	9.50%	10.00%	10.25%	N/A
549 or less/E	12.25%	12.50%	N/A	N/A

*APR = Annual Percentage Rate

Signature/R-G Matic Loans APR*
Beacon Score/Grade:	Signature	R-G Matic
730+/Platnum	8.25%	7.50%
680 - 729/A	8.50%	7.75%
640 - 679/B	9.50%	8.75%
600 - 639/ C	12.50%	11.75%
550 - 599/D	13.50%	N/A
549 or less/E	14.50%	N/A

Regular Share (Savings) Account*
Average Daily Balance:	$100 - $1,999	$2,000 - $4,999	$5,000 - $9,999	$10,000 - $19,000	$20,000 - Above
Annual Percentage Rate	.85%	1.00%	1.15%	1.30%	1.45%
Annual Percentage Yield	.85%	1.00%	1.15%	1.31%	1.46%

*Dividend Period:  April 1, 2008 - Jne 30, 2008

Other Deposit Account Dividends
Deposit Account:	Drafts/Checking**	Christmas Club*	IRA Accounts*
Annual Percentage Rate	.50%	1.35%	2.75%
Annual Percentage Yield	.50%	1.36%	2.78%

*Dividend Period:  April 1, 2008 - June 30, 2008
**Dividend Period:  Monthly - Effective June 19, 2008

*APR = Annual Percentage Rate

Mobile Homes APR*
	60 Mos.		84 Mos.
New Mobile Home (15% Down)	12.00%		12.50%
Used Mobile Home (15% Down)	13.00%		N/A

*APR = Annual Percentage Rate

Secured Loans APR*
100% Share Secured up to 120 Months	4.50%
75% Share Secured up to 48 Months	6.50%
50% Share Secured up to 48 Months	7.50%
Major Purchase Loan (UCC-1 Filing Required)	9.50%
CD Secured Loans (2.5% Over Current CD Rate) Maximum Term up to Maturity Date of CD	Current CD rate +2.5%

*APR = Annual Percentage Rate

Unsecured Loans APR*
R-G Federal Credit Union Visa Card	12.75%

*APR = Annual Percentage Rate