| SPECIAL PROMOTION CERTIFICATES |
| 12 MONTHS - 4.18% RATE - 4.25% APY Minimum $10,000 |
| CERTIFICATES OF DEPOSIT |
Substantial penalty for early withdrawal
$500 Minimum Opening Deposit |
| Term |
Rate |
Annual Percentage Yield |
| 91 days |
1.74% |
1.75% |
| 182 days |
3.00% |
3.03% |
| 12 months |
4.00% |
4.06% |
| 24 months |
3.50% |
3.55% |
| 36 months |
3.50% |
3.55% |
| 48 months |
3.50% |
3.55% |
| 60 months |
3.50% |
3.55% |
| INDIVIDUAL RETIREMENT ACCOUNTS |
Substantial penalty for early withdrawal
$500 Minimum Opening Deposit |
| Term |
Rate |
Annual Percentage Yield |
| 182 days |
3.00% |
3.03% |
| 12 months |
4.00% |
4.06% |
| 24 months |
3.50% |
3.55% |
| 36 months |
3.50% |
3.55% |
| 48 months |
3.50% |
3.55% |
| 60 months |
3.50% |
3.55% |
| DEPOSIT ACCOUNTS |
| Rate and A.P.Y. may change after opening |
| Type of Account |
Rate |
Annual Percentage Yield |
Minimum Opening Deposit |
REWARD Checking
Balance Tiers:
If you qualify for Reward Rates*:
$0 - $25,000
$25,000.01 +
If you DO NOT qualify for Reward Rates*:
All balances in account |
4.90%
1.01%
.10% |
5.01%
1.01%
.10% |
$50
$50 |
*To qualify for Reward Rates, you must, during the qualification cycle, make at least 12 check card/point of sale transactions AND receive your monthly statement electronically AND have at least one ACH direct deposit or preauthorized debit. “Qualification Cycle” means a period beginning the day before the first day of the current statement cycle and running through the next-to-the-last day of the current monthly statement cycle.
|
Ultimate Personal Money Market *
Balance Tiers:
$50,001 +
$25,001 - $50,000
$10,001 - $25,000
$2,501 - $10,000
$0 - $2,500 |
2.50%
2.00%
1.25%
0.50%
0.25% |
2.53%
2.02%
1.26%
0.50%
0.25% |
$1,000
|
Ultimate Business Money Market *
Balance Tiers:
$100,001 +
$50,001 - $100,000
$25,001 - $50,000
$10,001 - $25,000
$0 - $10,000 |
2.50%
2.00%
1.25%
0.50%
0.25% |
2.53%
2.02%
1.26%
0.50%
0.25% |
$2,500
|
Wall Street Checking*
Balance Tiers:
$2,500 +
$0-$2,499.99 |
2.00%
0.15% |
2.02%
0.15% |
$50 |
Interest Checking Accounts
Includes 50+ Free and Direct Deposit |
0.15% |
0.15% |
$50 |
Preferred Savings Account
Personal and Commercial |
0.25% |
0.25% |
$50 |
| First Savings Account |
0.25% |
0.25% |
$5 |
| Christmas Club Account |
0.25% |
0.25% |
$5 |
| Bank will accept applications for deposit accounts from residents of Georgia, USA. |
* The balance in the account each day determines the Rate and APY
paid on the entire balance that day. |
