North Georgia Credit Union

Share Rates $25 minimum investment*
Annual Percentage Yield is accurate as of March 31, 2013. 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*	0.10%	0.10%
Christmas & Vacation Clubs	--	--	Transfer & Withdrawal*	0.10%	0.10%
IRA Savings	$25.00	--	--	0.30%	0.30%
Share Draft/Checking	--	--	--	0.05%	0.05%
Dividends will be compounded quarterly and will be credited quarterly. *A minimum opening deposit of only $25.00 is required for a regular share/savings account. However, a monthly minimum balance fee of $5.00 will be charged unless account holders maintain a $50 share/savings account balance, or have another account relationship.

Share and IRA Certificate Rates $500 minimum investment
Annual Percentage Yield is accurate as of January 29, 2013. 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	0.20%	0.20%	Automatic
SHARE - 12 months	0.40%	0.40%	Automatic
SHARE - 24 months	0.75%	0.75%	Automatic
SHARE - 36 months	1.00%	1.01%	Automatic
IRA - 06 months	0.20%	0.20%	Automatic
IRA - 12 months	0.40%	0.40%	Automatic
IRA - 24 months	0.75%	0.75%	Automatic
IRA - 36 months	1.00%	1.01%	Automatic
* For additional information regarding the above accounts, please refer to the Truth-In-Savings Fee Schedule.