Rates

Your Hometown Spirit: Merrill, Tomahawk, Minocqua, Rhinelander

Loans | Mortgage | Savings | Certificates

Rates are subject to change without notice.

Loans	Rate	APR*	Term
NEW VEHICLE	5.50	5.50	36
NEW VEHICLE	5.50	5.50	48
NEW VEHICLE	5.50	5.50	60
NEW VEHICLE	5.75	5.75	72
USED VEHICLE 2003/OLDER	6.50	6.50	36
USED VEHICLE 2004 AND NEWER	5.50	5.50	48
USED VEHICLE 2004 AND NEWER	5.50	5.50	60
BOATS	5.75	5.75	60
KWIK CASH	18.00	18.00	48
PERSONAL (over $1,000)	8.90	8.90	48
SPORTING GOODS - USED	6.75	6.75	36
SPORTING GOODS - NEW	5.75	5.75	60

*APR = Annual Percentage Rate
Term = Months

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Mortgage Loan

Rate	Points	APR*
As low as 5.75	1.0	5.75

*APR = Annual Percentage Rate
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Rates are subject to change without notice.

Savings	Dividend	APY*	Term
REGULAR SAVINGS-$5 minimum deposit/no minimum balance to earn dividends	0.500	0.500	n/a
SAVERS PLUS-no minimum balance to open or earn dividends	0.550	0.550	n/a
PREMIER SHARE SAVINGS minimum deposit/minimum daily balance of $2,500 to earn dividends **	1.50	1.51	n/a
PREMIER SHARE SAVINGS minimum deposit/minimum daily balance of $5,000 to earn dividends **	1.75	1.76	n/a
PREMIER SHARE SAVINGS minimum deposit/minimum daily balance of $10,000 to earn dividends **	2.00	2.02	n/a
PREMIER SHARE SAVINGS minimum deposit/minimum daily balance of $25,000 to earn dividends **	2.25	2.27	n/a
PREMIER SHARE SAVINGS minimum deposit/minimum daily balance of $75,000 to earn dividends **	2.50	2.52	n/a
CHECKING-$5 minimum deposit/minimum daily balance of $500 to earn dividends	0.250	0.250	n/a
CHRISTMAS CLUB-no minimum balance to open or earn dividends	0.650	0.650	n/a
OTHER SAVINGS-no minimum balance to open or earn dividends	0.500	0.500	n/a

*APY = Annual Percentage Yield
Any fees could reduce your earnings.
**Unlimited personal withdrawals.
**Rates are determined on the true daily balance.
**If balance falls under minimum in each tier, the rate will change based on
the current balance.
**If balance falls under minimum balance of $2,500 – $10.00 fee.

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Rates are subject to change without notice.

Certificates	Dividend	APY*	Term
90 DAY CERTIFICATE - $2,500 minimum balance	2.10	2.12	3
6 MONTH CERTIFICATE - $2,500 minimum balance	2.20	2.22	6
1 YEAR CERTIFICATE - $1,000 minimum balance	2.30	2.32	12
2 YEAR CERTIFICATE - $1,000 minimum balance	2.35	2.37	24
3 YEAR CERTIFICATE - $1,000 minimum balance	2.45	2.47	36
4 YEAR CERTIFICATE - $1,000 minimum balance	2.65	2.68	48
IRA - $100 minimum	3.50	3.55	n/a

*APY = Annual Percentage Yield
The annual percentage yield is based on an assumption that dividends will remain in the account until maturity. A withdrawal will reduce earnings.
There will be a substantial penalty for early withdrawal.

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