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	Customer Service Center
	Tel: 404-215-6700 Option 8 Toll Free: 1-866-758-6395 561 West Whitehall Atlanta, GA. 30310 Hours: Mon.-Thurs.: 9am – 4pm Fri.: 9am – 5pm, Closed: Sat. & Sun.

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Current Rates

Rates current as of February 06, 2012.

Consumer Checking & Savings - b)d	Min. Opening Deposit	Min. Balance to Earn Interest	Interest Rate	Annual Percentage Yield
NOW Checking Account	750.00
$1.00 - $749.99		1.00	.50	.50
$750.00 & over		750.00	.50	.50
Super NOW Account	1,000.00
$1.00 - $2,499.99		1.00	.50	.50
$2,500.00 & over		2,500.00	.80	.80
Money Market Account	1,000.00
$1.00 - $998.99		1.00	.50	.50
$999.99 - $4,999.99		999.99	.50	.50
$5,000 - 99,999.99		5,000.00	.85	.85
$100,000.00 & over		100,000.00	.85	.85
Starter Savings Account	25.00		.80	.80
Regular Savings Account	100.00		.80	.80
Christmas Club Account	25.00		.80	.80

Business Checking & Savings	Min. Opening Deposit	Min. Balance to Earn Interest	Interest Rate	Annual Percentage Yield
Money Market Account	1,000.00
$1.00 - $998.99		1.00	.50	.50
$999.99 - $4,999.99		999.99	.50	.50
$5,000 - 99,999.99		5,000.00	.85	.85
$100,000.00 & over		100,000.00	.85	.85
Regular Savings Account	100.00		.80	.80

Individual Retirement Accounts - a)	Min. Opening Deposit	Min. Balance to Earn Interest	Interest Rate	Annual Percentage Yield
30 Day IRA	500.00	500.00	.84	.84
60 Day IRA	500.00	500.00	.84	.84
90 Day IRA	500.00	500.00	.88	.88
6 Month IRA	500.00	500.00	.90	.90
12 Month IRA	500.00	500.00	.95	.95
24 Month IRA	500.00	500.00	1.10	1.11
36 Month IRA	500.00	500.00	1.31	1.32
48 Month IRA	500.00	500.00	1.51	1.52
60 Month & Over IRA	500.00	500.00	1.79	1.80

Certificates of Deposit - a) Min. Opening Depositb> Min. Balance to Earn Interest Interest Rate AnAnnual Percentage Yield

7 - 31 Day CD 500.00 500.00 .84 .84

90 Day CD 500.00 500.00 .88 .88

6 Month CD 500.00 500.00 .90 .90

12 Month CD 500.00 500.00 .95 .95

24 Month CD 500.00 500.00 1.10 1.11

36 Month CD 500.00 500.00 1.31 1.32

48 Month CD 500.00 500.00 1.51 1.52

60 Month CD 500.00 500.00 1.79 1.80

Jumbo Certificates of Deposit - a)	Min. Opening Deposit	Min. Balance to Earn Interest	Interest Rate	Annual Percentage Yield
7 - 31 Day CD	100,000.00	100,000.00	.85	.85
90 Day CD	100,000.00	100,000.00	.89	.89
6 Month CD	100,000.00	100,000.00	.95	.95
12 Month CD	100,000.00	100,000.00	1.03	1.03
24 Month CD	100,000.00	100,000.00	1.15	1.16
36 Month CD	100,000.00	100,000.00	1.33	1.34
48 Month CD	100,000.00	100,000.00	1.53	1.54
60 Month CD	100,000.00	100,000.00	1.81	1.82

a) A penalty may be imposed for early withdrawal.
b) The interest rate and annual percentage yield may change after account opening.
c) Daily Balance is the amount of the principal in the account each day.

d) Fees could reduce earnings on the account. For current rate information contact us.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS.

All funds in a "noninterest-bearing transaction account" are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC's general deposit insurance rules.

The term "noninterest-bearing transaction account" includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts ("IOLTAs"). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts. For more information about temporary FDIC insurance coverage of transaction accounts, visit www.fdic.gov .