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Product
Min. Opening Deposit
Min. Balance to obtain APY*
Int. Rate
APY*

Checking and Savings Accounts
Piedmont Advantage $100 $1,000 0.099% 0.10%
Statement Savings $100 $0.01 0.249% 0.25%
Minor Savings $5 $0.01 0.249% 0.25%
Piedmont Money Market     
$1,000 $1,000 0.399% 0.40%
Piedmont Money Market $1,000 $10,000 0.499% 0.50%
Piedmont Money Market
$1,000 $100,000 0.647% 0.65%
Business Interest Checking $100 $2,500 0.099% 0.10%
Business Statement Savings $500 $0.01 0.249% 0.25%
Business Piedmont Money Market
$1,000 $1,000 0.399% 0.40%
Business Piedmont Money Market
$1,000 $10,000 0.499% 0.50%
Business Piedmont Money Market
$1,000 $100,000 0.647% 0.65%

Certificates of Deposit
3 Months $500
0.249% 0.25%
6 Months $500
0.499% 0.50%
12 Months $500
0.697% 0.70%
18 Months $500
0.697% 0.70%
24 Months $500
1.044% 1.05%
30 Months $500
1.044% 1.05%
36 Months $500
1.193% 1.20%
48 Months $500
1.391% 1.40%
60 Months $500
1.488% 1.50%

IRA Certificates of Deposit
6 Months $500

0.499% 0.50%
12 Months $500

0.697% 0.70%
18 Months $500

0.697% 0.70%
24 Months $500

1.044% 1.05%
30 Months $500

1.044% 1.05%
36 Months $500

1.193% 1.20%
48 Months $500

1.391% 1.40%
60 Months $500

1.488% 1.50%
Rates current for 01/30/12 - 02/05/12


*Annual Percentage Yield
Fees could reduce the earnings on the account.
A penalty will be imposed for early withdrawal of certificates of deposit.
The interest rate and annual percentage yield may change on checking and savings accounts after opening, but not on certificates of deposits through maturity.


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