Rates Effective December 21, 2011

*All rates are APR*

AUTO LOAN RATES Current & Previous Year Untitled Up to 60 Months 61 Months and Over  3.95% 4.50% VEHICLE BALLOON LOAN Minimum Finance Amount $35,000.00 Maximum amortization is 120 months.  Loan term determined by current standards. Rate is 1% above base rate according to our risk based pricing schedule.  A credit only. Classic Cars Up to 48 Months 7.74% USECURED LOANS Revolving Credit Line of Credit Closed End Signature VISA Platinum* VISA Platinum Preferred* 15.00% 9.99% 9.99% 12.99% 7.99% *No annual Fee SHARED SECURE LOANS ALL 3% Above Savings FIRST MORTGAGE LOANS Contact a Loan Officer   HOME EQUITY LOANS Contact a Loan Officer NEW MOTOR HOMES, BOATS TRAVEL TRAILERS CURRENT YEAR & 1 YEAR OLD 100% FINACING 48 Months Up to $5,000.00 60 Months $5,001.00 to $7,500.00 72 Months $7,501.00 to $35,000.00 84 Months $7,501.00 to $35,000.00 96 Months $7,501.00 to $35,000.00 120 Months Over $35,000.00 5.49% 5.74% 5.99% 6.10% 6.20% 6.24%

USED MOTOR HOME, BOATS, TRAVEL TRAILERS FINANCE LOAN VALUE 2-3 Years Old 60 Months 72 Monhs 120 Months $10,0001 & over 6.24% 6.49% 6.74% 4-6 Years Old Up to 60 Months 6.99% 7 Years & Older Up to 60 Months 7.74% OTHER COLLATERAL LOANS CURRENT YEAR & 1 YEAR OLD Motorcycles, ATV's, Snowmobiles, Jet Ski's, Lawn & Garden Eqp. 100% FINANCING 36 Months 48 Monhs 60 Months 72 Months 5.49% 5.49% 5.74% 5.99% USED Motorcycles, ATV's, Snowmobiles, Jet Ski's, Lawn & Garden Eqp. Loan Value Financed 2-3 Yeards Old Up to 60 Months 6.74% Four Years & Older Up to 48 Months 7.24% COMPUTER LOANS Up to 36 Months 5.49% TUITION LOANS Up to 12 Months 4.00%

*Rates based on credit experience. Rates listed are the lowest rates available at Jackson Community FCU.  All rates subject to change without notice.
*APR = Annual Percentage Rate.
*APR shall remain the same durning the term of the loan.

IRA & Share Certificates	Term	Dividend Rate	APY*
*Rates are applicable for compounding	3 mo	0.15%	0.15%
& non-compounding Certificates	6 mo	0.30%	0.30%
	12 mo	0.40%	0.40%
	24 mo	0.75%	0.75%
	36 mo	1.25%	1.26%
	48 mo	1.50%	1.51%
	60 mo	1.90%	1.92%
Regular Shares $100.00 and over		0.15%	0.15%
Life Savings Club		0.00%	0.00%
Christmas Club		0.50%	0.50%
Vacation Club		0.15%	0.15%
Share IRA's		0.15%	0.15%
Money Market Account
$0.00-$2,499.99		0.10%	0.10%
$2,500.00-$4,999.99		0.25%	0.25%
$5,000.00-$9,999.99		0.30%	0.30%
$10,000.00-$24,999.99		0.35%	0.35%
$25,000.00-$49,999.99		0.40%	0.40%
$50,000.00 and Over		0.50%	0.50%
* APY = Annual Percentage Yield

*For variable-rate accounts, rates may change after the account is opened.
*$10.00 Deposit is requried to open a New Shares Account.
*APY is accurate as of the specified date.
*$500 minimum deposit on Term Share Deposits
*A penalty will be imposed for early withdrawal on Term Share Deposits