Current Rates

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.

At the present time, new CD/IRA deposits are limited to residents of GA. We welcome new Money Market deposits from throughout the United States. We appreciate your business and look forward to serving you!

Rates effective September 6, 2012

Rates Effective as of 9/6/12
Account	Interest Rate	Annual Percentage Yield	Minimum Deposit to Open Account
Hi-Rate Checking^(a,b,g)
$10,000 & greater	0.10%	0.10%	$100
$0.01 - $9,999.99	0.00%	0.00%	$100

Money Market^(a,b,g)
Hi-Rate Money Market (Personal)
$250,000 & greater	0.60%	0.60%	$1000
$100,000 to $249,999.99	0.60%	0.60%	$1000
$50,000 to $99,999.99	0.10%	0.10%	$1000
$10,000 to $49,999.99	0.05%	0.05%	$1000
$0.01 to $9,999.99	0.00%	0.00%	$1000

Hi-Rate Money Market (Business)
$250,000 & greater	0.60%	0.60%	$1000
$100,000 to $249,999.99	0.60%	0.60%	$1000
$10,000 to $99,999.99	0.10%	0.10%	$1000
$0.01 to $9,999.99	0.00%	0.00%	$1000

Personal Savings Account^(b,g,h)
	0.20%	0.20%	$100

Economy Checking
	0.00%	0.00%	$100

Community Checking^(a,b,g)
$10,000 & greater	0.10%	0.10%	$100
$0.01 to $9,999.99	0.00%	0.00%	$100

	Relationship	Relationship	Non-Relationship	Non-Relationship
Certificates of Deposit^(d,e,j)	Interest Rate	Annual % Yield	Interest Rate	Annual % Yield
60 Months^(f,i)	1.54%	1.55%	1.39%	1.40%
48 Months	1.29%	1.30%	1.15%	1.15%
36 Months^(f,i)	1.19%	1.20%	1.05%	1.05%
30 Months	1.05%	1.05%	0.90%	0.90%
24 Months^(f,i)	0.90%	0.90%	0.75%	0.75%
18 Months^(f)	0.65%	0.65%	0.65%	0.65%
12 Months^(f,i)	0.60%	0.60%	0.60%	0.60%
9 Months	0.45%	0.45%	0.45%	0.45%
6 Months^(c)	0.35%	0.35%	0.35%	0.35%
3 Months^(c)	0.15%	0.15%	0.15%	0.15%
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.