Current Rates

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Rates are effective as of April 8, 2014. Rates are subject to change.  Contact (706) 743-8184 for most current information.

Transaction Accounts

Product

Minimum Required

Daily Balance

Interest Rate

APY*

NOW Account

Minimum opening deposit $1,200

$1,200

0.05%

0.05%

Super NOW

Minimum opening deposit $2,500

$2,500

0.10%

0.10%

*These are variable rate accounts; the rate(s) and APY(s) may change after the accounts are opened.  Fees could reduce earnings on the accounts.

Savings Accounts

Product

Minimum Required

Daily Balance

Interest Rate

APY*

Regular Savings

Minimum opening deposit $100

$100

0.15%

0.15%

Savings for Minors

Minimum opening deposit $25

$0

0.15%

0.15%

Product

Minimum Required

Daily Balance

Interest Rate APY*

Money Market1

1 Minimum opening deposit $2,500

$2,500-$9,999.99

0.10%

0.10%

$10,000-$24,999.99

0.15%

0.15%

$25,000 or more

0.20%

0.20%

*These are variable rate accounts; the rate(s) and APY(s) may change after the accounts are opened.  Fees could reduce earnings on the accounts.  You must maintain a minimum daily balance of $2,500 to obtain the disclosed annual percentage yield in the Money Market accounts.

Certificates of Deposit and Individual Retirement Accounts

Product

Minimum Required

Opening Deposit

Interest Rate

APY*

31 Days

$2,500

0.05%

0.05%

91 Days

$2,500

0.10%

0.10%

182 Days

$2,500

0.15%

0.15%

12 Months

$200

0.30%

0.30%

18 Months

$200

0.40%

0.40%

24 Months

$200

0.50%

0.50%

30 Months

$200

0.55%

0.55%

36 Months

$200

0.75%

0.75%

48 Months

$200

0.85%

0.85%

60 Months

$500

0.95%

0.95%

*A penalty will be imposed for early withdrawal.