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


Certificate Accounts

The following certificate Annual Percentage Yields (APYs) are effective April 15, 2014, and will remain the same through April 21, 2014. The minimum certificate investment is $500.00. Penalty applies for early withdrawal. Fees may reduce earnings on an account. Click here for full disclosures.


Laddering Certificates are available in the 1, 2, 3, 4 and 5 year terms. All accounts renew automatically into a 5-year term. Click here to get more information on Laddering Certificates.


Tiers 6 Month* 1 Year* 2 Year 30 Month 3 Year 4 Year 5 Year
Annual Percentage Yield**

$500 - $9,999.99

0.19% 0.33% 0.52% 0.62% 0.75% 0.90% 1.00%

$10,000 - $24,999.99

0.19% 0.33% 0.52% 0.62% 0.75% 0.90% 1.00%

$25,000 - $49,999.99

0.19% 0.33% 0.52% 0.62% 0.75% 0.90% 1.00%

$50,000 - $74,999.99

0.20% 0.35% 0.55% 0.65% 0.80% 0.95% 1.05%

$75,000 - $124,999.99

0.20% 0.35% 0.55% 0.65% 0.80% 0.95% 1.05%

$125,000 +

0.20% 0.35% 0.55% 0.65% 0.80% 0.95% 1.05%

* 6 Month and 1 Year Certificates also have the option of interest credited at maturity.

** Interest credited monthly or interest compounded quarterly.




Own Your Rate Savings Certificate

Own Your Rate (bump rate) accounts allow you to make one rate adjustment per term, except for the 55 month certificate which allows for two rate bumps per term. You may exercise your rate bump by calling the credit union or visiting your local branch.


Term Length Annual Percentage Yield* Number of Rate Bumps Minimum Opening Balance

22 Month

0.50% 1 $500

33 Month

0.72% 1 $500

44 Month

0.85% 1 $500

55 Month

0.95% 2 $500

* Interest is compounded and credited quarterly.




Individual Retirement Accounts

The following certificate Annual Percentage Yields (APYs) are effective April 15, 2014. The minimum IRA investment is $500.00. Penalty applies for early withdrawal.


IRA Investments for Traditional, Roth, and Education IRAs

Tiers 1 Year 18 Month* 2 Year 30 Month 3 Year 4 Year 5 Year
Annual Percentage Yield**

$500 - $9,999.99

0.33% 0.23% 0.52% 0.62% 0.75% 0.90% 1.00%

$10,000 - $24,999.99

0.33% 0.23% 0.52% 0.62% 0.75% 0.90% 1.00%

$25,000 - $49,999.99

0.33% 0.23% 0.52% 0.62% 0.75% 0.90% 1.00%

$50,000 - $74,999.99

0.35% 0.25% 0.55% 0.65% 0.80% 0.95% 1.05%

$75,000 - $124,999.99

0.35% 0.25% 0.55% 0.65% 0.80% 0.95% 1.05%

$125,000 +

0.35% 0.25% 0.55% 0.65% 0.80% 0.95% 1.05%

* Interest compounded monthly. Current rate effective April 15, 2014 through April 21, 2014. Rate may change after the account is opened.

** Interest compounded and credited quarterly.




Account Type Balance Annual Percentage Yield*

Club IRA
(Compounded Quarterly)

$5.01 - $49,999.99

0.10%
 

$50,000 - $99,999.99

0.13%
 

$100,000+

0.18%

* Last dividend paid date December 31, 2013. 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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