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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 RATES ARE LIMITED TO GEORGIA CUSTOMERS. AT THE PRESENT TIME, WE ARE NOT ACCEPTING OUT-OF-STATE CDs. WE CONTINUE TO WELCOME OUT-OF-STATE CUSTOMERS FOR OUR MONEY MARKET ACCOUNTS AND IRAs. THANK YOU.
Rates Effective as of 06/17/2009
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Account
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Minimum Opening Deposit+
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Minimum Balance to Obtain APY*
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Interest Rate**
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APY***
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Community Checking
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$0 - $9,999.99
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$100.00
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$0.01
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0.20%
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0.20%
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$10,000+
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$100.00
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$10,000
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1.10%
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1.11%
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Hi-Rate Checking
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$ 0 - $ 9,999.99
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$100.00
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$.01
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0.20%
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0.20%
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$ 10,000+
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$100.00
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$10,000
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1.10%
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1.11%
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Hi-Rate Money Market
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$100,000 & greater
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$100.00
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$100,000
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2.00%
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2.02%
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$50,000 - $99,999.99
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$100.00
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$50,000
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1.02%
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1.02%
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$10,000 - $ 49,999.99
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$100.00
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$10,000
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0.72%
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0.72%
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$0.01 - $9,999.99
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$100.00
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0.01
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0.22%
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0.22%
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Commercial Money Market
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$ 0 - $ 9,999.99
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$500.00
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$.01
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0.52%
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0.52%
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$ 10,000+
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$500.00
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$10,000
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1.16%
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1.17%
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Personal Savings
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$100
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$0.01
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0.52%
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0.52%
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CDs/IRAs
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31 Day
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$1,000.00
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1.02%
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1.02%
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3 Month
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$1,000.00
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1.25%
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1.26%
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6 Month
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$1,000.00
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1.50%
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1.51%
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9 Month
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$1,000.00
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1.75%
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1.75%
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1 Year
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$1,000.00
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2.63%
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2.66%
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18 Month
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$1,000.00
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2.79%
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2.82%
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2 Year
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$1,000.00
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2.94%
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2.97%
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30 Month
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$1,000.00
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3.06%
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3.10%
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3 Year
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$1,000.00
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3.13%
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3.17%
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4 Year
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$1,000.00
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3.23%
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3.27%
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5 Year
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$1,000.00
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3.46%
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3.50%
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Important Note: Rates subject to change at any time. This document is to be used in conjunction with other disclosure information about your accounts. Annual Percentage Yield (APY) is a percentage rate reflecting the total amount of interest paid on an account, based on the Interest rate and the frequency of compounding for a 365 day period. Additional Certificate of Deposit terms, corresponding APY's and interest rates are available upon request.
+The stated "Minimum to Open" an account may not meet the minimum balance to waive monthly service charges.
*The minimum balance to obtain the APY is determined using the daily balance method. That is, in order to earn the stated rate, the balance amount indicated must be maintained each day during the Interest payment period.
**All accounts listed except Certificates are variable rate accounts. As such, the Interest rate may change at any time. Fees could reduce the earnings on these accounts.
***The APY assumes that interest will remain on deposit until maturity. If interest is withdrawn prior to maturity, earnings will be reduced.
For regular Certificates with maturities of less than 1 year, interest is compounded at maturity and paid at maturity.
For regular Certificates with maturities of 1 year or longer, interest is compounded quarterly and paid quarterly and at maturity.
For all Certificates, a substantial penalty will be applied if funds are withdrawn prior to maturity.
For the most current rate information, please contact Customer Service at(770)945-8300 or (800)533-6922.
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Member FDIC