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Checking & Savings Accounts
Rates Effective as of April 2, 2007
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Account Type
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Interest Rate
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APY*
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Minimum Balance to Earn APY*
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Regular Savings
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1.00%
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1.00%
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$0.01
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Personal Money Market**
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-
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-
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$3,000.00
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Daily Balance from $3,000 - $9,999
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3.44%
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3.50%
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Daily Balance$10,000-$99,999
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4.88%
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5.00%
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Daily Balance$100,000 and over
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5.07%
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5.20%
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Commercial Savings**
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1.00%
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1.00%
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$0.01
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Century of Service Business MMA
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4.45%
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4.55%
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$10,000.00
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Commercial Money Market**
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-
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-
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$1,000.00
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Daily Balance Up To $9,999.99
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0.75%
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0.75%
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Daily Balance From $10,000.00 - $99,999
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1.00%
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1.00%
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Daily Balance Up From $100,000.00 and up
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1.49%
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1.50%
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Small Business Interest Checking**
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-
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-
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$500
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Daily Bal up to $49,999
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0.75%
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0.75%
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Daily Bal $50,000-$99,999
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1.00%
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1.00%
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Daily Bal $100,000- $999,999
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1.36%
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1.36%
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Daily Bal $1,000,000 and over
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1.98%
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2.00%
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Century of Service Checking**
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-
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-
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$5000
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Daily Bal $5,000-$499,999
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4.88%
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5.00%
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Daily Bal $500,000 and over
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5.83%
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6.00%
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**These products are offered at our Henry County branches only. Please contact our Gibson Office for accounts and rates offered in that market area. On all interest-bearing accounts, Annual Percentage Yield (APY) is a variable rate quoted effective April 2, 2007, and is subject to change without prior notice. Offer may be withdrawn at any time. Fees could reduce earnings. Normal money market withdrawal restrictions apply on Personal Money Market, Business Money Market, and Century of Service Business Money Market accounts. Century of Service and Business Century of Service accounts are opened for new deposits only.
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Certificates of Deposit and Individual Retirement Accounts**
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Term/Period
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Interest Rate
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APY*
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91 Days
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1.73%
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1.75%
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182 Days
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4.55%
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4.65%
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1 Year Certificate of Deposit
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5.35%
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5.50%
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2 Year Certificate of Deposit
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5.00%
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5.13%
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3 Year Certificate of Deposit
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5.02%
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5.15%
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4 Year Certificate of Deposit
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5.07%
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5.20%
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5 Year Certificate of Deposit
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5.12%
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5.25%
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6 Mos IRA Certificate of Deposit*
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4.55%
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4.65%
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1 Year IRA Certificate of Deposit
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5.35%
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5.50%
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2 Year IRA Certificate of Deposit
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5.00%
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5.13%
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3 Year IRA Certificate of Deposit*
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5.02%
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5.15%
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4 Year Certificate of Deposit*
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5.07%
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5.20%
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5 Year Certificate of Deposit*
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5.12%
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5.25%
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*These products are offered at our Henry County branches only. Please contact our Gibson Office for accounts and rates offered in that market area. Annual Percentage Yield (APY) is a variable rate, accurate as of 6/14/06. These rates may change at any without prior notice. After your CD is opened, the interest rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Interest paid at maturity. Annual Percentage Yields are calculated on a daily compounding for terms equal to or greater than 12 months, and simple interest for lesser terms.
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