Personal and Business Interest Rates

 

Savings, Money Market & CDs - Effective 2/15/2017
 
PERSONAL BUSINESS
Money Market* Rate APY
Balances $0 - $24,999.99 0.150 0.15
Balances $25,000 - $49,999.99 0.200 0.20
Balances $50,000 - $99,999.99 0.250 0.25
Balances $100,000 - $249,999.99 0.250 0.25
Balances $250,000 And Above 0.300 0.30
Money Market, Business Rate APY
Balances $0 - $24,999.99 0.150 0.15
Balances $25,000 - $49,999.99 0.200 0.20
Balances $50,000 - $99,999.99 0.250 0.25
Balances $100,000 - $249,999.99 0.250 0.25
Balances $250,000 And Above 0.300 0.30

Savings Accounts*
Rate APY
Balances $0 - $24,999.99 0.150 0.15
Balances $25,000 - $49,999.99 0.200 0.20
Balances $50,000 - $99,999.99 0.250 0.25
Balances $100,000 - $249,999.99 0.250 0.25
Balances $250,000 And Above 0.300 0.30

Savings Accounts
Rate APY
Balances $0 - $24,999.99 0.150 0.15
Balances $25,000 - $49,999.99 0.200 0.20
Balances $50,000 - $99,999.99 0.250 0.25
Balances $100,000 - $249,999.99 0.250 0.25
Balances $250,000 And Above 0.300 0.30

CD Rates for Personal & Business Accounts**
Regular/IRA CDs
Rate† APY Term
0.050 0.05 7 - 31 Days
0.150 0.15 32 - 60 Days
0.150 0.15 61 - 90 Days
0.150 0.15 91 - 180 Days
0.400 0.40 181 - 364 Days
0.499 0.50 12 - 17 Months
0.548 0.55 18 - 23 Months
0.698 0.70 24 - 35 Months
0.995 1.00 36 - 47 Months
1.045 1.05 48 - 59 Months

1.094

1.10

60 - 95 Months


The following additional disclosures apply:

  • Annual Percentage Yields on Certificates (CDs) with terms of less than one year are stated as if all principal remains on deposit and interest is compounded for a 1-year term
  • Simple interest is earned on maturities of 90 days or less. For maturities between 91 days and 364 days, interest is compounded every three months, and for maturities of twelve months or longer, interest is compounded daily.
  • Above rates are paid on collected balances in money market and savings accounts.
  • Other restrictions may apply
  • Minimum of $50 to open checking or savings, a minimum of $500 is required for CDs, a minimum of $100 to open an IRA.
  • Minimum opening balance for 7-31 day CDs  is $2500
  • Rates subject to change at anytime without prior notice
  • Additional rates and programs are available, for more information call (404) 248-5466 or 1 (888) 248-5466

† Rate refers to Interest Rate; APY refers to Annual Percentage Yield

* Fee could reduce earnings on these accounts. Rates may change after the account is opened.

** For CDs, a penalty will be imposed for early withdrawal
 

Account Disclosures
Terms and Conditions with Arbitration Agreement - Georgia Account Holders
Terms and Conditions with Arbitration Agreement - Florida Account Holders
Electronic Fund Transfers Disclosure Statement
Funds Availability Disclosure Statement
Check 21 Information
Federal Reserve Reporting Disclosure Statement
Business Online Banking Made Easy
Consumer Online Banking Made Easy
Schedule of Fees
Your Guide to Preventing and Managing Overdraft Fees