Rates

Shares

Tier	Dividend Rate	APY1
Tier I $100.01 – $2,000.00	0.10%	0.10%
Tier II $2,000.01 – $10,000.00	0.15%	0.15%
Tier III $10,000.01 & Over	0.20%	0.20%

Berenstain Bears Financial Literacy Program Cub Account

Tier	Dividend Rate	APY1
Tier I $0 – $100.00	2.96%	3.00%
Tier II $100.01 & Over	0.20%	0.20%

Premium Draft

Balance	Dividend Rate	APY1
Up to $5,000.00	0.15%	0.15%
Over $5,000.01	0.15%	0.15%

Money Market

Tier	Dividend Rate	APY1
Tier I $0 – $9,999.99	0.30%	0.30%
Tier II $10,000.00 – $24,999.99	0.45%	0.45%
Tier III $25,000.00 – $99,999.99	0.50%	0.50%
Tier IV $100,000.00 & Over	0.60%	0.60%

Business Advantage / Business Select

Balance	Dividend Rate	APY1
Over $5,000.01	0.15%	0.15%

Club Accounts

Account Type	Dividend Rate	APY1
IRA	1.00%	1.00%
Christmas	0.10%	0.10%
Vacation	0.10%	0.10%
Other	0.10%	0.10%
Student	0.15%	0.15%

• 1 Annual Percentage Yield is accurate as of December 21, 2018. This is a variable rate account. Rates may change at any time without notice. Fees could reduce earnings on the account.

Share Certificates $1,000.00 & Up

Term	Dividend Rate	APY2
6 months	0.60%	0.60%
1 year	0.90%	0.90%
2 years	1.14%	1.15%
3 years	1.24%	1.25%
4 years	1.44%	1.45%
5 years	1.79%	1.80%

Advantage IRA Share Certificates $1,000.00 & Up

Term	Dividend Rate	APY2
1 year	1.00%	1.00%
5 years	2.03%	2.05%

Freedom Share Certificates $2,500.00 & Up

Term	Dividend Rate	APY2
1 year	0.80%	0.80%

Loyalty $10,000.00 & Up Plus 15 Year Credit Union Membership

Term	Dividend Rate	APY2
1 year loyalty	1.05%	1.05%
2 years loyalty	1.29%	1.30%
3 years loyalty	1.44%	1.45%
4 years loyalty	1.64%	1.65%
5 years loyalty	2.03%	2.05%

• 2 Annual Percentage Yield is accurate as of December 21, 2018. These rates may change at any time without prior notice. 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.
• All accounts are subject to the applicable terms and conditions set forth in the Understanding Your Share Accounts brochure, including but not limited to Terms and Conditions, Funds Availability, Truth-in-Savings, and Electronic Funds Transfer. If you have questions, please call us at 678.889.4328 or toll-free at 855.889.4328. Peach State also has consumer loans and mortgages not listed here.