Interest rates current as of 1/7/2009

A description of all accounts listed below and their requirements can be found in Personal Banking and Business Banking.


Checking and Savings Rates

   
     Rate      APY**
        Small Business Interest Checking .500%   .500%  
        Premium Interest Checking .500%   .500%  
        Senior Checking 1.736%   1.75%  

Business / Commercial Checking

.995%  


1.00%  

        Premium Money Market Account - $3,000.00 - $9,999.99 .747%   .75%  
        Premium Money Market Account - $10,000.00 - $49,999.99 1.094%   1.10%  
        Premium Money Market Account - $50,000.00 - $99,999.99 1.243%   1.25%  
        Premium Money Market Account - $100,000.00 - $499,999.99 1.490%   1.50%  
        Premium Money Market Account - $500,000.00 - $999,999 1.736%   1.75%  

Premium Money Market Account - over $1,000,000

1.884%  


1.90%  


Premium Business Money Market Account
   
        Balance $3,000 - $9,999 .747%   .75%  
        Balance $10,000-$49,999 1.094%   1.10%  
        Balance $50,000 - $99,999 1.243%   1.25%  
        Balance $100,000-$499,999 1.490%   1.50%  
        Balance $500,000-$999,999 1.736%   1.75%  

Premium Business Money Market Account - over $1,000,000

1.884%  


1.90%  


Regular Personal Savings

1.00%  


1.00%  


Youth Savings

1.00%  


1.00%  


Business Savings

1.00%  


1.00  


Certificate of Deposit Rates

   
     Rate      APY**

3 Month CD

1.243%  


1.25%  


6 Month CD

1.982%  


2.00%  


9 Month CD

2.227%  


2.25%  


12 Month CD

2.569%  


2.60%  


18 Month CD

2.716%  


2.75%  


24 Month CD

2.959%  


3.00%  


30 Month CD

3.203%  


3.25%  


36 Month CD

3.203%  


3.25%  


48 Month CD

3.203%  


3.25%  


60 Month CD

3.203%  


3.25%  


Line Of Credit Rates

   
     Rate      APY**

Mortgage Rates
   


For additional information about the accounts listed above, please see one of our customer service representatives.

*     Rates and APY subject to change at any time. Fees could reduce earnings on accounts.
**   APY is annual percentage yield.
*** A penalty will be imposed for early withdrawl.



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534 South New Hope Road
Gastonia, NC 28054
704-867-4000