Exchange Bank, a local bank with locations in Milledgeville, Gray, and Lake Oconee Georgia
Current Rates
All rates current as of 03-10-2010
Interest Bearing Accounts - CD's and IRA's
| Account Name | Term | Minimum Balance to Open Account |
Tiers | Interest Rate |
APY |
|
CD & IRA*
|
3 Month
|
$500
|
$0-24,999
$25,000 & Over |
0.40
0.50 |
0.40
0.50 |
|
CD & IRA*
|
6 Month
|
$500
|
$0-24,999
$25,000 & Over |
1.44
1.49 |
1.45
1.50 |
|
CD & IRA*
|
9 Month
|
$10,000
|
|
1.69
|
1.70
|
|
CD & IRA*
|
12 Month
|
$500
|
$0-9,999
$10,000 & Over |
2.09
2.13 |
2.11
2.15 |
|
CD & IRA*
|
13 Month
|
$10,000
|
|
2.30
|
2.33
|
|
Prestige Plus CD*
(Customer must have Prestige Plus Checking to Qualify) |
13 Month
|
$5,000
|
|
2.47
|
2.50
|
|
CD & IRA*
|
15 Month
|
$5,000
|
|
2.57
|
2.60
|
|
CD & IRA*
|
18 Month
|
$500
|
$0-9,999
$10,000 & Over |
2.09
2.13 |
2.11
2.15 |
|
Variable Rate IRA*
|
18 Month
|
$250
|
|
0.95
|
0.95
|
|
CD & IRA*
|
24 Month
|
$500
|
$0-9,999
$10,000 & Over |
2.18
2.23 |
2.20
2.25 |
|
Step-Up CD*
|
24 Month
|
$10,000
|
|
2.45
|
2.48
|
|
CD & IRA*
|
30 Month
|
$500
|
$0-9,999
$10,000 & Over |
2.33
2.28 |
2.30
2.31 |
|
CD & IRA*
|
36 Month
|
$500
|
$0-9,999
$10,000 & Over |
2.37
2.42 |
2.40
2.45 |
|
CD & IRA*
|
48 Month
|
$500
|
$0-9,999
$10,000 & Over |
2.52
2.57 |
2.55
2.60 |
|
CD & IRA*
|
60 Month
|
$500
|
$0-9,999
$10,000-24,999 $25,000-& Over |
2.58
2.63 2.71 |
2.61 2.66 2.75 |
Rates are subject to change at any time.
1. The Annual Percentage Yield (APY) assumes interest will remain on deposit and may change after
the account is opened.
2. APY is accurate as of the date of publication.
3. Maintenance or activity charges may reduce earnings.
4. Certain transaction limitations and early withdrawal penalties may apply.
5. Daily compounding on Certificates of Deposits, IRA's, (with maturities greater than 11months) and quarterly
on Ready Savings when interest is not paid out but left in the account. Rate may change after account is
opened.
6. The first figure in each tier is the minimum balance required to obtain the APY.
Note: APY assumes that deposit balance is 100% collected through entire statement period.
*Annual Percentage Yield (APY) – Represents daily compounding effect on CD's and IRA's.
Interest Bearing Accounts - DDA
| Account Name | Minimum Balance to Open Account |
Tiers | Interest Rate |
APY |
| Exchange Savings* | $100 | $100-200 $200 |
No Interest |
0.25 |
| Interest Checking* | $100 | 0.10 | 0.10 | |
| New Horizons** | $10,000 | 0.65 | 0.65 | |
| NOW Commercial* | $100 | 0.15 | 0.15 | |
| Prestige Checking* |
$100 | $0-24,999 $25,000-49,999 $50,000 & over |
0.35 0.50 0.75 |
0.35 0.50 0.75 |
| Prestige Plus Checking NOW* |
$5,000 | $0-4,999 5,000 & over |
0.35 1.50 |
0.35 1.51 |
| Prestige Select Checking NOW* |
$10,000 | $0-24,999 $25,000-49,999 $50,000 & over |
0.25 1.25 1.45 |
0.25 1.26 1.46 |
|
Commercial Money MarketAccount* |
$10,000 | 0.35 | 0.35 | |
| Premium Plus Money Market Special* |
$10,000 | $0-2,499 $2,500-9,999 $10,000-49,999 $50,000 & over |
0.25 0.40 1.25 1.45 |
0.25 |
| Premium Commerical Money Market* |
$25,000 | $0-24,999 $25,000-49,999 $50,000-99,999 $100,000 & over |
0.50 0.85 1.75 1.85 |
0.50 0.85 1.77 1.87 |
| Solutions Money Market* |
$100 | $0-24,999 $25,000-49,999 $50,000-99,999 $100,000 & over |
0.25 0.65 0.90 1.40 |
0.25 |
Rates are subject to change at any time.
1. The Annual Percentage Yield (APY) assumes interest will remain on deposit and may change after the
account is opened.
2. APY is accurate as of the date of publication.
3. Maintenance or activity charges may reduce earnings.
4. Certain transaction limitations and early withdrawal penalties may apply.
5. The first figure in each tier is the minimum balace required to obtain the APY
Note: APY assumes that deposit balance is 100% collected through entire statement period.
*Annual Percentage Yield (APY) – Represents monthly compounding effect NOW, Interest and Prestige Checking, New Horizons, MMDA.** Must maintain a minimum DDA blance of $10,000 to recieve New Horizons' account benefits
