Rates subject to change without notice.

Checking Account Rates1
Effective as of 2008-05-02 16:27:22

APY = Annual Percentage Yield

Account Name Rate APY
NOW Checking 0.25% 0.25%
Club 55 NOW Checking 0.25% 0.25%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Direct Checking Rates1
Effective as of 2008-05-02 16:27:22

Account Name Rate APY
IC Direct Checking 1.25% 1.26%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Savings Account Rates1
Effective as of 2008-05-02 16:27:22

Account Name Rate APY
Statement Savings 0.40% 0.40%
Passbook Savings 0.40% 0.40%
Status One™ Savings 0.40% 0.40%
Youth Savings 0.40% 0.40%
Christmas Club Savings 0.40% 0.40%
IRA Savings
$50 - $9,999.99		 0.85% 0.85%
IRA Savings
$10,000 - $24,999.99		 1.15% 1.16%
IRA Savings
$25,000 - $49,999.99		 1.15% 1.16%
IRA Savings
$50,000 & over		 1.40% 1.41%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Direct Savings Rates1
Effective as of 2008-05-02 16:27:22

Account Name Daily Balance* Rate** APY
IC Direct Savings$50.00 - $4,999.99 2.47% 2.50%
IC Direct Savings$5,000.00 - $24,999.99 2.47% 2.50%
IC Direct Savings$25,000.00 - $49,999.99 2.47% 2.50%
IC Direct Savings$50,000.00 & over 2.47% 2.50%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest


Money Market Rates1,2
Effective as of 2008-05-02 16:27:22

Account Name Daily Balance Rate APY
Money Market Platinum$50.00 - $24,999.99 0.50% 0.50%
Money Market Platinum$25,000.00 - $49,999.99 1.00% 1.01%
Money Market Platinum$50,000.00 - $74,999.99 1.90% 1.92%
Money Market Platinum$75,000.00 and over 2.20% 2.22%

$5.00 Minimum Opening Balance
$50.00 Minimum Balance Required to Earn Interest

Share Certificate Rates1,2
Effective as of 2008-05-02 16:27:22

 Min. Deposit $1000Min. Deposit $5000
Account NameBase RateAPYBase RateAPY
3-7 Month Special 2.80% 2.80% 2.80% 2.80%
90-Day Term CD 2.80% 2.80% 2.80% 2.80%
Six-Month Term CD 2.80% 2.80% 2.80% 2.80%
One-Year Term CD 3.00% 3.05% 3.00% 3.05%
18-Month Term CD 3.10% 3.15% 3.10% 3.15%
Two-Year Term CD 3.25% 3.31% 3.25% 3.31%
Three-Year Term CD 3.30% 3.36% 3.30% 3.36%
Four-Year Term CD 3.30% 3.36% 3.30% 3.36%
Five-Year Term CD 3.40% 3.46% 3.40% 3.46%
Peace of Mind CD† 3.00% 3.05% 3.00% 3.05%

†Minimum opening deposit for Peace of Mind CD is $2,500.00 and the term is 27 months.

New Vehicle Auto Loan Rates
Effective as of 2008-05-02 16:27:22

APR = Annual Percentage Rate

Model YearsTermAPRWith Auto Pay
2008 & 2007 24 Months 5.24% 4.99%
  36 Months 5.24% 4.99%
  48 Months 5.24% 4.99%
  60 Months 5.50% 5.25%
  66 Months 6.24% 5.99%
  72 Months* 6.24% 5.99%
84 Months* 7.24% 6.99%

* Minimum $20K


Used Vehicle Auto Loan Rates
Effective as of 2008-05-02 16:27:22

Model YearsTermAPRWith Auto Pay
2008 & 2007 60 Months 5.50% 5.25%
2006 & 2005 60 Months 5.50% 5.25%
2004 60 Months 6.00% 5.75%
2003 60 Months 6.75% 6.50%
2002 60 Months 5.75% 5.50%
2001 60 Months 6.50% 6.25%
2000 60 Months 7.99% 7.74%
1999 & Under 60 Months 8.99% 8.74%

RVs, Boats, Motorcycle Loan Rates
Effective as of 2008-05-02 16:27:22

Loan TypeTermAPRWith Auto Pay
Motorcycles - New 60 Months 9.24% 8.99%
Motorcycles - Used 48 Months 9.99% 9.74%
RVs - New
(2006-2008)		 144 Months
(Contact us
for other terms) 		8.75% 8.50%
RVs - Used
(2003-2007)		 120 Months
(Contact us
for other terms) 		9.24% 8.99%
Boats - New 144 Months 10.24% 9.99%
Boats - Used 120 Months 11.24% 10.99%

Other Consumer Loan Rates
Effective as of 2008-05-02 16:27:22

Loan TypeTermAPRWith Auto Pay
Single Pay 90 Days 14.50% N/A
Efficiency
$500 - $10,000		 96 Months 9.990% N/A
Home Improvement
$500 - $10,000		 180 Months 13.25% 13.00%
Installments 12 Months 13.24% 12.99%
Installments 24 Months 13.24% 12.99%
Installments 36 Months 13.24% 12.99%
Installment 48 Months 14.50% 14.25%
Smart Choice Line of Credit (Overdraft)   14.50% N/A
Collateral Loan
3% above savings rate		      
Smart Choice Loan 90 Days 14.50% N/A

Home Equity Rates
Effective as of 2008-05-02 16:27:22

APR = Annual Percentage Rate

Lines of Credit
80% Loan to Value & Under		 Term APR
$10,000 and Up 3.50% 6 Month Promo then Prime minus 1.00% For Life see term
80% Loan to Value & Over Term APR
$10,000 and Up 3.50% 6 Month Promo then Prime plus 1.75% For Life see term
Expanded Approval Lifetime Equity
Prime Plus 3.75% for Life

IC will pay insurance premium for PMI on 95% lines of credit.

Prime Rate
Effective as of 2008-05-02 17:13:00

Prime Rate
5.000%

Fixed Equity Rates
Effective as of 2008-05-02 16:27:22

Term APR
1-5 Years 5.250%
6-10 Years 5.990%
11-15 Years 6.500%
16-20 Years 6.990%

Borrower to pay PMI premium on fixed rate loans over 80% Loan to Value.

All equity products have no points, no application fee and no pre-payment fee. However, a waiver of fees must be signed at the time of application. Refer to product description for value determination and appraisal requirements.

Fixed Rate Mortgages
Effective as of 2008-05-09 11:10:51

APR = Annual Percentage Rate

40 Year Mortgage

Points Interest Rate APR
06.500%6.535%
16.250%6.366%
26.000%6.195%

30 Year Mortgage

Points Interest Rate APR
06.000%6.039%
15.750%5.882%
25.500%5.723%

20 Year Mortgage

Points Interest Rate APR
05.875%5.927%
15.625%5.801%
25.375%5.674%

15 Year Mortgage

Points Interest Rate APR
05.625%5.690%
15.375%5.595%
25.125%5.500%

10 Year Mortgage

Points Interest Rate APR
05.500%5.592%
15.250%5.562%
25.000%5.534%

Interest First Mortgages
Effective as of 2008-05-09 11:10:51

15/15 Fixed

Points Interest Rate APR
06.500%6.540%
16.250%6.386%
26.000%6.230%

10/20 Fixed

Points Interest Rate APR
06.500%6.540%
16.250%6.386%
26.000%6.230%

Interest Only Mortgages
Effective as of 2008-05-09 11:10:51

3/1 ARM (3 Year Int. only)

Points Interest Rate APR
05.125%4.918%
14.875%4.946%
24.625%4.975%

3/1 ARM (10 Year Int. only)

Points Interest Rate APR
05.125%4.918%
14.875%4.946%
24.625%4.975%

5/1 ARM (5 Year Int. only)

Points Interest Rate APR
05.500%5.104%
15.250%5.098%
25.000%5.093%

5/1 ARM (10 Year Int. only)

Points Interest Rate APR
05.500%5.104%
15.250%5.098%
25.000%5.093%

No Points/No Closing Costs
For Refinances And Purchases
- Single Family Only
Effective as of 2008-05-09 10:31:48

($100,000.00 minimum loan requirement)

30 Years

Interest Rate APR
6.500%6.500%

20 Years

Interest Rate APR
6.375%6.375%

15 Years

Interest Rate APR
6.125%6.125%

10 Years

Interest Rate APR
6.000%6.000%

Adjustable Rate Mortgage
Effective as of 2008-05-09 10:30:43

Margin: 2.875%

2% Adjustment/ 5% Lifetime Cap

Fixed Period*Interest Rate**APRIndex
7 Years5.500%5.149%1.93%
5 Years5.250%5.009%1.93%

2% Adjustment/ 6% Lifetime Cap

Fixed Period*Interest Rate**APRIndex
3 Years4.875%4.858%1.93%
1 Year4.000%4.774%1.93%

* After the initial fixed period expires, rates are adjusted on a 1 year period.
** Rate listed is for No Point ARMs

Construction Loans
Effective as of 2008-05-09 11:10:51

(6 month construction period interest only based on prime rate.)

30 Years

PointsInterest Rate APR
06.250%6.376%
16.000%6.220%
25.750%6.063%

15 Years

PointsInterest Rate APR
05.875%6.082%
15.625%6.989%
25.375%5.897%

Fixed Rate Investment Properties
Effective as of 2008-05-09 10:31:48

30 Years

Interest Rate APR
6.875%6.916%

15 Years

Interest Rate APR
6.500%6.567%

1-2 Family 10% down with 3 points
3-4 Family 25% down with 2 points

Prime Rate
Effective as of 2008-05-02 17:13:00

Prime Rate

5.000%


1 Fees may reduce earnings on applicable accounts
2 A penalty may be assessed for early withdrawal