
Whatever your reason for saving, Guaranty Bank makes it easy! Come visit us today and choose from a variety of options to meet your savings goals.
Minor Savings
- No service charge to depositors 18 and under.
- Only $25 minimum balance to open and a $25 minimum daily balance required to earn interest.
Regular Savings Account
- Only $50 minimum balance to open
- $100 minimum daily balance required to earn interest
- Interest is compounded and credited quarterly
- A maximum of six pre-authorized withdrawals or transfers allowed per month
- Unlimited withdrawals are allowed if made in person
- Only $2 monthly fee if balance falls below $100 on any day of the statement cycle.
Money Market Account
- The interest rate is tiered and determined by the level of your daily collected balance
- Six pre-authorized transfers are allowed per statement cycle, three of which may be a check, draft or similar order to a third party
- Only $50.00 minimum balance to open
- Only $1000 minimum daily balance required to earn interest
- Only $10.00 monthly fee if balance falls below $1000 on any day of the statement cycle
High Yield Savings
- Tiered interest
- Instant liquidity - unlimited withdrawals if made in person
- Pre-authorized, electronic or telephone transactions are not allowed
- Only $50 minimum balance to open
- Only $1000 minimum daily balance required to earn interest
- Only $10.00 monthly fee if balance falls below $1000 on any day of the statement cycle
Individual Retirement Accounts

- IRA accounts may be started with as little as $50 and future deposits can be as low as $25.
- Fixed rate IRA accounts require a $1,000 minimum balance to open and the rate can be set for one to six years. Contact any Guaranty Bank office for additional details.
Certificate of Deposit
- Guaranty Bank's Certificates of Deposit offer fixed rates of interest over terms ranging from 91 days to 6 years
- $1000 minimum deposit to open
Many savers find it convenient to have several CDs, staggered to mature at different times - for example, a 91 day for money which you may need in the near future, a 12-Month for money which you may need next year, and a 36-Month for funds which are earmarked for longer term savings. This method provides a measure of liquidity, while returning higher interest rates than traditional checking and savings accounts.
Vacation Club Account
- Makes saving for vacation easy. Simply make small deposits each week and you will receive an ACH credit or check on the distribution date with interest included.
- Opening Balance Requirement: $5.00
- Minimum Deposit Amount: $5.00
- Annual Distribution Date: May 15
- Penalty for early withdrawal: loss of all accrued interest.
Christmas Club Account
- Start Saving for the Holiday Season!
- No service charge.
- Minimum deposit of $5.00
- Convienience of automatic funds transferred from a checking or savings account monthly.
- On the last day of October, the money your Christmas Club account will be automatically transferred back to your checking or savings account…just in time for Holiday expenses.
- Penalty for early withdrawal: loss of all accrued interest.
At Guaranty Bank , our personal Checking, Savings, Certificates of Deposit, CD-style IRAs, Vacation Club accounts, and Money Market Accounts are all covered by Federal Deposit Insurance. Each depositor is insured up to $100,000 by the FDIC, an agency of the U.S. government.
*APY is the rate actually earned or paid in one year, taking into account the effect of compounding.
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