Rates Effective February 1, 2012 Small Rec -60 Mths As Low As 3.99% APR* Large Rec -60 Mths As Low As 3.99% APR* Large Rec - 120 Mths As Low As 5.74% APR* New Auto -60 Mths As Low As 2.95% APR* SEE ALL RATES & DISCLOSURES Loan Rate Board Deposit Rate Board *APR=Annual Percentage Rate. **APY=Annual Percentage Yield.