Privacy Statment
Our bank recognizes the importance of protecting the privacy of Personal Information about our customers and others who visit our web site. Personal Information includes all of the personally identifying information which you provide us On-line. You may give us Personal Information when you enroll for an account or service, when you use On-line banking, bill pay or trading, when you use any of our On-line planners or financial tools, or when you send us e-mail.
We have described below the circumstances under which we may receive Personal Information On-line and our policies to protect your privacy. If you have any questions that are not answered in this section, please send us an e-mail.
When is Personal Information Collected On-line?
On-line Banking and Bill Pay
When you bank On-line with our bank or use our On-line Bill Pay service, we will have access to your Personal Information. This information is retained by us in order to provide you with the services you have requested.
Applications
When you apply On-line for products or services, or when you enroll in On-line banking, you will be asked for Personal Information in order to process your application. We may retain this information to better enable us to provide you with the product or service you have requested.
Planners and Calculators
When you use various calculators, planners or questionnaires on our web site, you may be asked for Personal Information in order to complete the requested analysis or evaluation. The provider of the calculator, planner or questionnaire may retain this information.
When you send us e-mail, we will retain the content of the e-mail, your e-mail address, and our response in order to handle any follow-up questions you may have.
How does Our Bank use the Personal Information you provide On-line?
Our bank has the highest regard for the privacy of its customers. As a result, we safeguard the privacy of users of our On-line services, just as we do throughout the rest of our businesses.
Our bank will use Personal Information, as appropriate in the normal course of our business, to provide you with the products and services you have requested. We will also use Personal Information to identify you, to communicate with you, to help us respond to your questions and to understand which of our bank’s products and services will best meet your needs.
Does our bank sell Personal Information transmitted On-line to people outside of our bank?
NO! Our bank will not sell Personal Information to a third party for the purpose of solicitation or provide Personal Information to a third party for its own, independent use. We may, however, share Personal Information with our business partners in order to deliver products and services, which you have requested, and in order to communicate with you about our bank, its products and its services. We contractually obligate all of our business partners to protect the privacy of all Personal Information and we hold them to the same privacy standard to which we hold ourselves.
Can I be taken off of any solicitation lists?
Sometimes we send our customers information about products and services that we believe will be interesting to them. If you do not wish to receive this information, please call us at (706) 769-8200. Can I check my Personal Information to see if it is correct?
If you have any reason to believe that your Personal Information retained at our bank is incorrect, please call us at (706) 769-8200, or by mail at North Georgia Bank, PO Box 1499, Watkinsville, GA 30677. We will investigate the problem and, if appropriate, update the bank’s records.
North Georgia Bank will not contact you by telephone or email requesting any personal information from you regarding your account at North Georgia Bank. If you are unsure of a telephone call or email received, please contact us at (706) 769-8200 to verify its origin.
Current CD Rates
| CD | APY |
|---|---|
| 11-Month Special Certificate & IRA | 3.55% |
| 19-Month Special Certificate and IRA | 4.40% |
| 27-Month Special Certificate and IRA | 4.60% |
| 3-Month Certificate & IRA | 2.50% |
| 6-Month Certificate & IRA | 2.50% |
| 12-Month Certificate & IRA | 3.50% |
| 18-Month Certificate and IRA | 3.50% |
Disclosure Statement
Rates are effective as of
08/01/2008
and are subject to change at anytime. A penalty may be imposed for early withdrawal.
Specials are subject to a $5,000.00 minimum opening deposit and a $90,000.00 maximum deposit.
APY = Annual Percentage Yield
Refer to entire rate table for additional required disclosures.