Savings rates current as of Wednesday September 1, 2010
Rates subject to change

Products
 
Min. Opening Balance
APY
Rate Category
 
$100
.40%
Statement Savings
 
$100
.30%
NOW Account (Checking)
 
Piedmont Money Market Account
Balances of:
 
$2,500
.40%
                $2,500-$9,999.99
 
$2,500
.45%
                $10,000.00-$24,999.99
 
$2,500
.55%
                $25,000.00-$49,999.99
 
$2,500
.65%
                $50,000.00 or greater
 
$500
0.70%
3-Month Certificate
 
$500
0.90%
6-Month Certificate
 
$500
0.90%
9-Month Certificate
 
$500
1.01%
1-Year Certificate
 
$50,000
1.01%
1-Year/3-Year Certificate
 
$500
1.15%
18-Month Certificate
 
$500
1.50%
2-Year Certificate
 
$500
1.60%
30-Month Certificate
 
$500
2.00%
3-Year Certificate
 
$500
2.20%
4-Year Certificate
 
$100,000
1.01%
6-Month Negotiated Certificate
 
$100,000
1.10%
12-Month Negotiated Certificate
 
$500
1.01%
6-Month Fixed-Rate Retirement
 
$100
1.10%
12-Month Fixed-Rate Retirement
 
$100
1.25%
18-Month Fixed-Rate Retirement
 
$100
1.01%
18-Month Variable-Rate Retirement
 
$100
1.75%
30-Month Fixed-Rate Retirement
 
$100
2.25%
48-Month Fixed-Rate Retirement
 

An interest penalty will be imposed for early withdrawal.

On May 20, 2009 FDIC deposit insurance temporarily increased from $100,000 to $250,000 per depositor through December 31, 2013.
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