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“We reserve the right to limit deposits to our banking area.”
“Rates listed on this page are not available to brokers, other financial institutions, or public entities”.
NOTE: All current CD/IRA rates are limited to Georgia customers. At the present time, we are not accepting out-of-state CDs or IRAs. We continue to welcome out-of-state customers for our Money Market Accounts. Thank you.
Rates Effective as of 12/10/2009
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Account
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Interest Rate
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Annual Percentage
Yield
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Minimum Deposit to
Open Account
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Hi-Rate Checking(a,b,g)
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$10,000 & greater
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1.10%
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1.11%
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$100
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$0.01 - $9,999.99
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0.20%
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0.20%
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$100
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Money Market(a,b,g)
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Hi-Rate Money Market (Personal)
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$100,000 & greater
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1.69%
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1.70%
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$100
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$50,000 to $99,999.99
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0.70%
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0.70%
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$100
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$10,000 to $49,999.99
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0.40%
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0.40%
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$100
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$0.01 to $9,999.99
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0.20%
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0.20%
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$100
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Hi-Rate Money Market (Business)
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$10,000 & greater
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1.10%
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1.11%
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$500
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$0.01 to $9,999.99
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0.20%
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0.20%
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$500
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Personal Savings Account(b,g,h)
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0.52%
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0.52%
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$100
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Community Checking(a,b,g)
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$10,000 & greater
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1.10%
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1.11%
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$100
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$0.01 to $9,999.99
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0.20%
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0.20%
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$100
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Relationship
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Relationship
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Non-Relationship
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Non-Relationship
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Certificates of Deposit(d,e,j)
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Interest Rate
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Annual % Yield
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Interest Rate
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Annual % Yield
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60 Months(f,i)
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2.97%
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3.00%
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2.62%
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2.65%
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48 Months
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2.58%
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2.60%
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2.23%
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2.25%
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36 Months(f,i)
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2.43%
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2.45%
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2.08%
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2.10%
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30 Months
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2.33%
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2.35%
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1.99%
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2.00%
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24 Months(f,i)
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2.18%
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2.20%
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1.84%
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1.85%
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18 Months(f)
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2.03%
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2.05%
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1.69%
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1.70%
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12 Months(f,i)
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1.89%
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1.90%
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1.54%
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1.55%
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9 Months
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1.35%
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1.35%
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1.35%
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1.35%
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6 Months(c)
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1.15%
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1.15%
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1.15%
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1.15%
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3 Months(c)
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0.90%
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0.90%
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0.90%
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0.90%
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a. Simple interest, paid monthly.
b. Subject to change at any time.
c. Simple interest, paid at maturity.
d. Substantial penalty for early withdrawal.
e. Yield calculation assumes no withdrawals and no change in the base rate.
f. Yield based on quarterly compounding.
g. Fees could reduce earnings on account.
h. Simple interest paid quarterly.
i. Available as IRA CD.
j. Minimum to open account $1,000.
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Member FDIC