First Georgia Community Bank has consistently proven our interest rates to be among the most competitive in the banking industry. Whether your looking for a high yield CD, or a highly accessible tiered checking account - make the comparison and find out why First Georgia Community Bank is changing the way you bank!

CD and IRA Rates - Checking Product Rates - Savings Product Rates

Rates Effective as of July 18, 2008

CERTIFICATES OF DEPOSIT:
First Georgia offers a range of CD's allowing you the greatest flexibility in setting a term that's best for you. With a minimum deposit of $500.00, unless otherwise specified, you can start your earnings with just a few clicks.

• CD's earn interest Compounded Daily • CD statements are mailed •
• Rates are subject to change • Penalty for early withdrawal •
• Interest Rate and Annual Percentage Yield ("APY") are listed below •


CDs and IRAs
Term Interest Rate APY
30 -89 days 2.47% 2.50%
90 - 179 days 2.47% 2.50%
180 - 364 days 3.20% 3.25%
12 months 3.54% 3.60%
24 months 3.54% 3.60%
36 months 3.78% 3.85%
48 months 3.88% 3.95%
60 months 4.02% 4.10%
PLEASE NOTE FOR THE ABOVE ACCOUNTS:
*APY - Annual Percentage Yield


Checking Products
Product Balance Interest Rate APY
First Choice Money Mkt $1,000 - 2,499.99 .50% .50%
$2,500- $19,999.99 1.00% 1.01%
$20,000 - $49,999.99 1.49% 1.50%
$50,000 - $99,999.99 2.23% 2.25%
$100,000 and over 2.47% 2.50%
First Account $501 - $1,499.99 .25% .25%
$1,500 and over .50% .50%
Wise Choice All Balances .75% .75%
Achievers $2,500 - $9,999.99 .25% .25%
$10,000 - $49,999.99 .50% .50%
$50,000 - $99,999.99 .75% .75%
$100,000 and over 1.00% 1.01%
Business Super NOW $2,500 - $24,999.99 .25% .25%
$25,000 - $49,999.99 .50% .50%
$50,000 - $99,999.99 .75% .75%
$100,000 and over 1.00% 1.01%
Business Money Mkt $2,500 - $19,999.99 1.00% 1.01%
$20,000 - $49,999.99 1.49% 1.50%
$50,000 - $99,999.99 2.23% 2.25%
$100,000 and over 2.47% 2.50%
PLEASE NOTE FOR THE ABOVE ACCOUNTS:
*APY - Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on these accounts.


Savings Products
Product Balance Interest Rate APY
Regular Savings $100 and over .50% .50%
Children's Savings $10 and over 1.00% 1.01%
Christmas Club All Balances .50% .50%
PLEASE NOTE FOR THE ABOVE ACCOUNTS:
*APY - Annual Percentage Yield
Rates may change after the account is opened.
Fees may reduce earnings on these accounts.

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