North Georgia Credit Union

Share Rates $25 minimum investment
Annual Percentage Yield is accurate as of June 30, 2008. Rates and other terms may change at any time without prior notice. Fees could reduce earnings on the account.
Account Type	Minimum Opening Deposit	Minimum Balance to Earn APY	Limitations*	Dividend Rate	Annual Percentage Yield
Regular Share/Savings	$25.00	--	Transfer & Withdrawal*	1.05%	1.05%
Christmas & Vacation Clubs	--	--	Transfer & Withdrawal*	1.00%	1.00%
IRA Savings	$25.00	--	--	2.00%	2.02%
Share Draft/Checking	--	--	--	2.10%	2.12%
Dividends will be compounded quarterly and will be credited quarterly.

Share and IRA Certificate Rates $500 minimum investment
Annual Percentage Yield is accurate as of March 19, 2008. Rates and other terms may change at any time without prior notice. $500.00 minimum required to open Share or IRA Certificate. After your certificate is opened, the dividend rate is fixed for the term. A penalty is imposed for early withdrawal. Fees could reduce earnings on the account. Additional Deposits NOT allowed. Dividends will be compounded daily and will be credited at maturity.* If you close your share account before dividends are paid, you will not receive the accrued dividends.
Terms	Dividend Rate	Annual Percentage Yield	Renewable
SHARE - 06 months	2.97%	3.01%	Not Automatic
SHARE - 12 months	2.97%	3.01%	Not Automatic
SHARE - 24 months	3.15%	3.20%	Not Automatic
SHARE - 36 months	3.30%	3.35%	Not Automatic
IRA - 06 months	2.97%	3.01%	Not Automatic
IRA - 12 months	2.97%	3.01%	Not Automatic
IRA - 24 months	3.15%	3.20%	Not Automatic
IRA - 36 months	3.30%	3.35%	Not Automatic
* For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.