Transaction Accounts
Account Type
Minimum Deposit to Open Account
Minimum Amount to
Earn Interest
Interest Rate
Annual Percentage Yield (APY)
Southern Free Checking
$100.00
N/A
0.00%
0.00%
Southern Supreme Checking
$100.00
$1,000.00
0.20%
0.20%
Southern Classic Checking
$100.00
N/A
0.50%
0.50%
Southern Money Market Account
$1,000.00
$1000.00-$49,999.99
0.85%
0.85
$50,000.00-$99,999.99
1.24%
1.25%
$100,000.00-$499,999.99
1.49%
1.50%
$500,000.00 and up
1.49%
1.50%
Regular Savings
$100.00
$100
0.25%
0.25%



Certificates of Deposits & Individual Retirement Accounts
Account Type/Term
Minimum Deposit to Open Account
Interest Rate
Annual Percentage Yield (APY)
3 month
$500.00
1.00%
1.00%
6 month
$500.00
1.20%
1.20%
9 month
$500.00
1.24%
1.25%
12 month
$500.00
1.64%
1.65%
18 months
$500.00
1.84%
1.85%
24 months
$500.00
2.03%
2.05%
36 months
$500.00
2.08%
2.10%
48 months
$500.00
2.18%
2.20%
60 months
$500.00
2.62%
2.65%
Southern Money Market-IRA
$1000.00
2.23%
2.25%

Annual Percentage Yields (APY) accurate as of June 29, 2010; rates subject to change without notice and may change after the account is opened; fees could reduce earnings on account; minimum daily balance may be required to obtain the APY; a penalty may be imposed for early withdrawal from a Certificate of Deposit; Contact Customer Service for additional information

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