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Rates

Rates Current As Of: February 21, 2012

Rates are subject to change daily. Check with your local branch for the most current rate.

Deposit Accounts

Product	Rate	Annual Percentage Yield
Checking
Free Senior Interest Checking
$500 to $4,999	0.10%	0.10%
$5,000 to $24,999	0.50%	0.50%
$25,000 & up	0.65%	0.65%
Interest Checking
$500 to $4,999	0.10%	0.10%
$5,000 to $24,999	0.50%	0.50%
$25,000 & up	0.65%	0.65%
Professional Advantage Checking
$500 to $4,999	0.10%	0.10%
$5,000 to $24,999	0.50%	0.50%
$25,000 & up	0.65%	0.65%
Non-Profit Checking
less than $5,000	0.10%	0.10%
$5,000 to $24,999	0.50%	0.50%
$25,000 & up	0.65%	0.65%
Business Interest Checking
less than $5,000	0.15%	0.15%
$5,000 to $24,999	0.50%	0.50%
$25,000 & up	0.65%	0.65%
Savings
Minor, Personal, & Business Savings
less than $5,000	0.40%	0.40%
$5,000 & up	0.50%	0.50%
Personal & Business Community Savings
less than $5,000	0.40%	0.40%
$5,000 & up	0.70%	0.70%
Health Savings Accounts
less than $1,000	0.50%	0.50%
$1,000 to $2,499	0.65%	0.65%
$2,500 to $4,999	0.65%	0.65%
$5,000 & up	0.65%	0.65%
IOTA
all balances	0.25%	0.25%
Money Market
Personal MMA
less than $5,000	0.05%	0.05%
$5,000 to $24,999	0.40%	0.40%
$25,000 & up	0.65%	0.65%
Personal Premier MMA
less than $5,000	0.05%	0.05%
$5,000 to $99,999	0.50%	0.50%
$10,000 & up	0.65%	0.65%
Personal Relationship MMA
less than $5,000	0.05%	0.05%
$5,000 to $24,999	0.50%	0.50%
$10,000 to $9,999	0.75%	0.75%
$100,000 & up	0.85%	0.85%
Commercial MMA
less than $5,000	0.05%	0.05%
$5,000 to $24,999	0.40%	0.40%
$25,000 & up	0.65%	0.65%
Commercial Premier MMA
less than $5,000	0.05%	0.05%
$5,000 to $9,999	0.50%	0.50%
$10,000 & up	0.65%	0.65%
Commercial Relationship MMA
less than $5,000	0.05%	0.05%
$5,000 to $9,999	0.50%	0.50%
$10,000 to $99,99	0.75%	0.75%
$100,000 & up	0.85%	0.85%
Commercial Analyzed Earnings Rate	0.20%

Time Deposit Accounts

Product	Rate	Annual Percentage Yield	Penalty for Early Withdrawal
Certificates of Deposit (CDs)
7 to 89 days	0.77%	0.77%	all interest on amount withdrawn *
90 to 179 days	0.82%	0.82%	30 Days' Interest
180 days to 364 days	0.85%	0.85%	3 Months' Interest
12 to 23 months	1.00%	1.01%	6 Months' Interest
24 to 35 months	1.05%	1.06%	6 Months' Interest
36 to 47 months	1.40%	1.41%	9 Months' Interest
48 to 59 months	1.60%	1.61%	9 Months' Interest
60 months and over	1.85%	1.87%	9 Months' Interest
*Minimum penalty is 7 days simple interest on any amount withdrawn (a) 1st 6 days after account is opened or (b) 6 days after previous withdrawal
Individual Retirement Accounts (IRAs)
180 - 364 days	0.85%	0.85%	3 Months' Interest
12 to 23 months	0.92%	0.92%	6 Months' Interest
24 to 59 months	1.05%	1.06%	6 Months' Interest
60 months and over	1.85%	1.87%	9 Months' Interest

Gulf Coast Community Bank is participating in FDIC’s Transaction Account Guarantee Program. Under this program, through December 31, 2012, all non-interest bearing transaction accounts are fully guaranteed by FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance.

The term “non-interest bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. Under Bill 6398, interest bearing IOLTA (Interest on Lawyers Trust Accounts) are also fully insured under the TAG Program until December 31, 2012. It does NOT include traditional checking accounts, NOW accounts or demand deposit accounts that earn interest. To inquire about the TAGP insured accounts, contact a Gulf Coast Community Bank customer service representative.