First Federal Savings and Loan Association of Valdosta

Rates/Fee Charges

Deposit Rates | Fee Charges

Savings Accounts *
Type of Account	Minimum Deposit to Open	Interest Rate	APY **
Statement Savings	$100	.45%	.45%
Christmas Club	$10	.45%	.45%
* The rate may change after the account is opened, and fees may reduce earnings.
** Annual Percentage Yield
See Deposit Products Tab for Disclosures

Checking Accounts *
Type of Account	Minimum Deposit to Open	Minimum Balance to Obtain APY **	Interest Rate	APY **
Smart Choice Checking	$50	N/A	none	none
Student's Smart Choice Checking	$25	N/A	none	none
Now Acct, Senior Acct, Sole Proprietor Checking	$200	$500 - $4,999	.01%	.01%
		$5,000 - $9,999	.01%	.01%
		$10,000 or more	.01%	.01%
Small Business Checking	$200	N/A	none	none
Business Checking	$200	N/A	none	none
* The rate may change after the account is opened, and fees may reduce earnings.
** Annual Percentage Yield
See Deposit Products Tab for Disclosures

Money Market Account*
Type of Account	Minimum Deposit to Open	Minimum Balance to Obtain APY **	Interest Rate	APY **
Money Market Account	$1,000	$1,000 - $9,999	.50%	.50%
		$10,000 - $24,999	.65%	.65%
		$25,000 or more	.70%	.70%
* The rate may change after the account is opened, and fees may reduce earnings.
** Annual Percentage Yield
See Deposit Products Tab for Disclosures

Certificate of Deposit *
Type of Account	Minimum Deposit to Open	Minimum Balance to Obtain APY **	Interest Rate	APY **
91 Day	$1,000	$1,000	.75%	.75%
182 Day	$1,000	$1,000	.75%	.75%
1 Year	$1,000	$1,000	.90%	.90%
13 Month	$1,000	$1,000	.95%	.95%
2 Year	$1,000	$1,000	1.05%	1.05%
25 month	$1,000	$1,000	1.05%	1.05%
3 Year	$1,000	$1,000	1.50%	1.51%
4 Year	$1,000	$1,000	1.60%	1.61%
5 Year	$1,000	$1,000	1.70%	1.71%
3 Year Youth Variable	$250	$250	1.60%	1.61%
IRA 1 Year	$250	$250	.90%	.90%
IRA 2 Year	$250	$250	1.05%	1.05%
IRA 3 year	$250	$250	1.50%	1.51%
IRA 5 Year	$250	$250	1.70%	1.71%
IRA 5 Year Variable	$250	$250	2.00%	2.02%
*An early withdrawal penalty may exist for certificates.
** Annual Percentage Yield
See Deposit Products Tab for Disclosures

Health Savings Account
Type of Account	Minimum Deposit to Open	Minimum Balance to Obtain APY **	Interest Rate	APY **
Health Savings Account	$100	$500	.15%	.15%
* The rate may change after the account is opened, and fees may reduce earnings.
** Annual Percentage Yield
See Deposit Products Tab for Disclosures