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Inside Gainesville Bank & Trust
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Current Rates
Updated as of May 01, 2008
Regular Savings
(Minimum to open - $100; $100 minimum balance to avoid a service charge) |
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Interest Checking
(Minimum to open - $100; $1,000 minimum/$2,000 average balance to
avoid a service charge) |
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| Less than $1,000 |
| $1,000 - $3,499.99 |
| $3,500 - $5,000,000 |
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| Interest Rate |
| 0.25 |
| 0.25 |
| 0.35 |
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Premium Checking
(Minimum to open - $5,000; $5,000 minimum balance to avoid a service
charge) |
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Personal Money Market
(Minimum to open - $1,000; $1,000 minimum balance or a
$2,000 average to avoid a service charge) |
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| Less than $10,000 |
| $10,000 & Over |
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Premium Preferred Money Market
(Minimum to open - $50,000; $50,000 minimum balance to avoid a service charge) |
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Commercial Interest Checking (Sole Proprietorships and
Non-Profit Organizations Only)
(Minimum to open - $500; $1,000 minimum balance to avoid
a service charge) |
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| Less than $1,000 |
| $1,000 - $3,499.99 |
| $3,500 - $5,000,000 |
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| Interest Rate |
| 0.25 |
| 0.25 |
| 0.35 |
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Commercial Money Market
(Minimum to open - $500; $2,500 minimum balance to avoid
a service charge) |
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Commercial Max Money Market
(Minimum to open - $5000; $5,000 minimum balance to avoid
a service charge) |
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Certificates less than $100,000
(Minimum to open - $500)*** |
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| 7 Day** |
| 3 month** |
| 6 month |
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| Interest Rate |
| 1.44 |
| 1.44 |
| 2.39 |
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Certificates less than $100,000
(Minimum to open - $500) |
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| 1 year |
| 18 month |
| 2 year |
| 3 year |
| 4 year |
| 5 year |
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| Interest Rate |
| 2.39 |
| 2.44 |
| 2.49 |
| 2.55 |
| 2.60 |
| 2.64 |
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| APY |
| 2.42 |
| 2.47 |
| 2.52 |
| 2.58 |
| 2.63 |
| 2.68 |
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Individual Retirement Accounts
(IRAs)***
(No minimum for a variable rate IRA; Minimum to open a fixed
rate IRA - $500) |
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| +Variable Rate |
| Fixed Rate |
| 1 Year |
| 18 Month |
| 2 Year |
| 3 Year |
| 4 Year |
| 5 Year |
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| Interest Rate |
| 2.39 |
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| 2.39 |
| 2.44 |
| 2.49 |
| 2.55 |
| 2.60 |
| 2.64 |
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| APY |
| 2.42 |
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| 2.42 |
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| 2.52 |
| 2.58 |
| 2.63 |
| 2.68 |
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Special Rates Available
Call us at 770-532-1212
*All Rates subject to change at any time
***Substantial Penalty for early Withdrawal
+The rate may change after the account is opened; fees could reduce
earnings on the account.
APY - Annual Percentage Yield
Accounts compound interest daily unless otherwise noted.
Earnings Credit Rate for Commercial Analysis Accounts
(Based on Average Collected Balance) 4.25%
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Contact Us
Main Office
(770) 532-1212
Oakwood Office
(678) 450-3502
East Hall Office
(678) 450-3514
Thompson Bridge
Drive Through
(678) 450-3525
Dawsonville Highway
(678) 450-3510
Atlanta Highway
(678) 450-3495
Friendship Road
(678) 450-3574
North Hall Office
(678) 450-3533
Southern Heritage Bank
(770) 531-1240
Bank of Athens
(706) 546-0678
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