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Rates
effective as of 3/12/2010
RATES
ARE SUBJECT TO CHANGE WITHOUT NOTICE
| Checking and Savings Accounts | ||||
| Account Type | Minimum Deposit To Open And Obtain APY | Interest Rate | APY* | Compounding |
| Savings Account** | $100 | .40% | .40% | Quarterly |
| NOW Account** | $1,000 | .30% | .30% | Monthly |
| Christmas Club Account | None | .40% | .40% | At Maturity |
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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE *APY = Annual Percentage Yield - The annual percentage yield assumes principal and interest remain on deposit for a period of twelve months. ** Rates may change after account is opened. Fees may reduce earnings. |
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| Money Market Accounts | ||||
| Account Type | Amount to Obtain APY | Rate | APY* | Compounding |
| Smoky Mountain Premier MMIA** | $0 - $999.99 | .50% | .50% | Monthly |
| $1,000 - $9,999.99 | 1.00% | 1.00% | Monthly | |
| $10,000 - $24,999.99 | 1.045% | 1.05% | Monthly | |
| $25,000 - $999,999.99 | 1.045% | 1.05% | Monthly | |
| 1 Million - up | 1.193% | 1.2% | Monthly | |
| Greenbriar MMIA** | $0 - $999 | .65% | .65% | Monthly |
| $1,000 - $14,999 | .85% | .85% | Monthly | |
| $15,000 - up | 1.045% | 1.05% | Monthly | |
| Elkmont MMIA** | $0 - $999 | .65% | .65% | Monthly |
| $1,000 - $9,999.99 | .85% | .85% | Monthly | |
| $10,000 - $34,999.99 | 1.045% | 1.05% | Monthly | |
| $35,000 - up | 1.045%% | 1.05% | Monthly | |
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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE *APY = Annual Percentage Yield - The annual percentage yield assumes principal and interest remain on deposit for a period of twelve months. ** Rates may change after account is opened. Fees may reduce earnings. |
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| Certificates of Deposit (Including Fixed Rate IRA's)*** | ||||
| Account Type | Minimum Deposit to Open and Obtain APY | Interest Rate | APY* | Compounding |
| 7 - 29 Days | $1,000 | .25% | .25% | Simple |
| 30 Days | $1,000 | .30% | .30% | Simple |
| 90 Days | $1,000 | 1.046% | 1.05% | Simple |
| 6 Months | $1,000 | 1.195% | 1.20% | Quarterly |
| 12 Months | $1,000 | 1.541% | 1.55% | Quarterly |
| 18 Months | $1,000 | 1.788% | 1.80% | Quarterly |
| 24 Months | $1,000 | 1.985% | 2.00% | Quarterly |
| 36 Months | $1,000 | 2.329% | 2.35% | Quarterly |
| 48 Months | $1,000 | 2.575% | 2.60% | Quarterly |
| 60 Months | $1,000 | 2.82% | 2.85% | Quarterly |
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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE *APY = Annual Percentage Yield - The annual percentage yield assumes principal and interest remain on deposit for a period of twelve months. *** Substantial penalty for early withdrawal. |
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| Jumbo CD's ($100,000 +)*** | ||||
| Account Type | Minimum Deposit to Open and Obtain APY | Interest Rate | APY* | Compounding |
| 7 - 29 Days | $100,000 | .25% | .25% | Simple |
| 30 Days | $100,000 | .30% | .30% | Simple |
| 60 Days | $100,000 | .40% | .40% | Simple |
| 90 Days | $100,000 | 1.046% | 1.05% | Simple |
| 6 Months | $100,000 | 1.195% | 1.20% | Simple |
| 12 Months | $100,000 | 1.541% | 1.55% | Quarterly |
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RATES ARE SUBJECT TO CHANGE WITHOUT NOTICE *APY = Annual Percentage Yield - The annual percentage yield assumes principal and interest remain on deposit for a period of twelve months. *** Substantial penalty for early withdrawal. |
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