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Effective July 23, 2008

LOAN RATES AS LOW AS
Loans Rate APR* Term  
New and Used Autos & Harley Davidson Motorcycles (0-36 months) ** 4.75 4.75  0-36 Apply for a Loan Now
New and Used Autos & Harley Davidson Motorcycles (37-48 months) ** 5.05 5.05 37-48 Apply for a Loan Now
New and Used Autos & Harley Davidson Motorcycles (49-60 months) ** 5.35 5.35 49-60 Apply for a Loan Now
New and Used Autos & Harley Davidson Motorcycles (61-72 months) ** 5.95 5.95 61-72 Apply for a Loan Now
Harley Davidson Motorcycles  (73-84 months;$25,000 and greater) 7.50 7.50 73-84 Apply for a Loan Now
New & Used Boats, RVs, Motorcycles, ATV's & Trailers  (up to 60 months) ** 6.40 6.40 49-60 Apply for a Loan Now
New & Used RV and & Travel Trailers (up to 72 months; $20,000 and greater) 8.00 8.00 61-72 Apply for a Loan Now
New & Used RV and & Travel Trailers (up to 84 months; $35,000 and greater) 9.25 9.25 73-84 Apply for a Loan Now
Household Goods/Computers 9.25 9.25  0-42 Apply for a Loan Now
New & Used Equipment 8.75 8.75  0-48 Apply for a Loan Now
Comala VISA (No Annual Fee) 9.70 9.70 n/a Apply for a Credit Card
Signature ** 9.75 9.75  0-42 Apply for a Loan Now
Share Secured (up to 24 months; rate is 2% above current rate) 2.00 2.00 24 Apply for a Loan Now
CD Loan (Term - up to maturity; rate is 2% above rate of CD) 2.00 2.00 n/a Apply for a Loan Now
      * APR = Annual Percentage Rate - Rates are subject to change
     ** Includes a 0.25% discount for Direct Deposit
       

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Mortgage Loans Rate APR* Term  
First Mortgage 5 or 7 Year Balloon (Rates Set Daily)
First Or Second Mortgage 5 or 7 Year ARM
(Rates Set Daily. Call 334-834-4494 for Our Current Rate)
5.00 5.00   Apply for a Loan Now
First Mortgage 20 Year Fixed 6.50 6.50 240 Apply for a Loan Now
First Mortgage 15 Year Fixed 6.25 6.25 180 Apply for a Loan Now
First Mortgage 10 Year Fixed 6.00 6.00 120 Apply for a Loan Now
First Mortgage 7 Year Fixed 5.75 5.75 84 Apply for a Loan Now
Home Equity Line of Credit (Adjustable Rate) 4.99 4.99  n/a Apply for a Loan Now
Express Equity (Max $30,000) 6.00 6.00  n/a Apply for a Loan Now
Second Mortgage Also Available        
      * APR = Annual Percentage Rate - Rates are subject to change
     
       

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Savings Rate APY* Interest Paid
Shares & Club Accounts Average Daily Balance greater than $99.99 1.00 1.00 Quarterly
Kirby Club and CU Succeed share accounts 1.0 1.0 Quarterly
IRA 2.48 2.50 Quarterly
Platinum Checking $5,000.00 minimum to earn 1.25 1.25 Monthly
Money Market $2,500.00 minimum balance 1.75 1.75 Monthly
Money Market Average Daily Balance below $2,500 0.90 0.90 Monthly
      * APY = Annual Percentage Yield - Rates are subject to change        

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Certificates of Deposit Rate APY* Term
3 Months 1.98 2.00 3
6 Months 3.11 3.15 6
7 Months ($2,500 Minimum) 3.20 3.25 7
9 Months ($2,500 Minimum) 3.30 3.35 9
12 Months 3.25 3.30 12
18 Months ($2,500 Minimum) 3.40 3.45 18
24 Months 3.30 3.35 24
30 Months 3.35 3.40 30
36 Months 3.40 3.45 36
42 Months 3.45 3.50 42
Notes: Penalty for Early Withdrawal
Less Than 1 Year Maturity = 30 Day's Interest; Greater Than 1 Year = 90 Days Interest
Interest Paid Monthly Or At Maturity; $500 Minimum Unless Otherwise Noted
     
      * APY = Annual Percentage Yield - Rates are subject to change        

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IRA Certificates of Deposit Rate APY* Term
12 Months ($4,000 Minimum) 3.35 3.40 12
24 Months ($4,000 Minimum) 3.45 3.50 24
36 Months ($4,000 Minimum) 3.54 3.60 36
      * APY = Annual Percentage Yield - Rates are subject to change        

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