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Rates | Certificates/IRAs
All savings accounts, savings certificates, and checking accounts are insured to $100,000 by the National Credit Union Administration (NCUA), an agency of the Federal Government. IRAs are insured separately to $250,000.

Certificate Accounts

The following certificate Annual Percentage Yields (APYs) and dividend/interest rates are effective May 07, 2008, and will remain the same through May 13, 2008. APYs are accurate as of 05/07/2008. The minimum certificate investment is $500.00. Substantial penalty for early withdrawal on all Certificate accounts.

Interest Credited Monthly

Account Type Interest Credited Monthly
Dividend/Interest Rate APY
6 Month Certificate 2.97% 2.97%
1 Year Certificate 3.16% 3.16%
2 Year Certificate 3.21% 3.21%
3 Year Certificate 3.26% 3.26%



Account Type Interest Credited At Maturity

Account Type Interest Credited At Maturity
Dividend/Interest Rate APY
6 Month Certificate 3.00% 3.00%
1 Year Certificate 3.20% 3.20%



Account Type Interest Compounded Quarterly

Account Type Interest Compounded Quarterly
Dividend/Interest Rate APY
6 Month Certificate 2.97% 3.00%
1 Year Certificate 3.16% 3.20%
2 Year Certificate 3.21% 3.25%
3 Year Certificate 3.26% 3.30%



Individual Retirement Accounts

IRA Investments for Traditional, Roth, and Education IRAs

Account Type Dividend/
Interest Rate		 APY Effective Date
18 Month Variable Rate Account (Interest Compounded Monthly) 3.06% 3.10% 05/01/08-05/31/08 rate subject to change monthly
1 Year Fixed Rate Rate Account (Interest Compounded Quarterly) 3.16% 3.20% 05/07/08-05/13/08 rate subject to change weekly
2 Year Fixed Rate Account (Interest Compounded Quarterly) 3.21% 3.25% 05/07/08-05/13/08 rate subject to change weekly
3 Year Fixed Rate Account (Interest Compounded Quarterly) 3.26% 3.30% 05/07/08-05/13/08 rate subject to change weekly

* $500 minimum deposit requirement. Substantial penalty for early withdrawal.


Account Type Compounded Quarterly
Dividend/Interest Rate APY
Club IRA 1.75% 1.76%

* For quarter ending September 30, 2007. No minimum deposit to open. Rate subject to change quarterly. There is no Georgia's Own applied penalty for early withdrawal, but IRS penalties may still apply.
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