Interest Rates

EFFECTIVE DATE

November 7, 2024

Interest Rate and Annual Percentage Yield (APY) are effective as of the above date and may change at any time without notice.

FIXED RATE CD PROMOS

Term Interest RateAPY2Minimum Opening Deposit
7 Month4.50%4.50%$500.00
11 Month4.25%4.25%$500.00

FIXED RATE CDS

Term Interest RateAPY2Minimum Opening Deposit
30 Day3.50%3.50%$500.00
90 Day3.50%3.50%$500.00
6 Month4.00%4.00%$500.00
1 Year4.00%4.00%$500.00
18 Month3.75%3.75%$500.00
2 Year3.50%

3.50%

$500.00
3 Year3.35%3.35%$500.00
4 Year3.35%3.35%$500.00
5 Year3.25%
3.25%$500.00
6 Year3.00%3.00%$500.00
7 Year3.00%3.00%$500.00
8 Year3.00%3.00%$500.00

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

TermInterest RateAPY2Minimum Opening Deposit
6 Month4.00%4.00%$500.00
1 Year4.00%4.00%$500.00
18 Month3.75%

3.75%

$500.00
2 Year3.50%3.50%$500.00
3 Year3.35%3.35%$500.00
4 Year3.35%3.35%$500.00
5 Year3.25%3.25%$500.00
6 Year3.00%3.00%$500.00
7 Year3.00%3.00%$500.00
8 Year3.00%3.00%$500.00





CHECKING ACCOUNTS

Health Savings Account1

Interest RateAPY2Minimum Opening Deposit
   $100.00
Balances less than $1,5000.05%0.05% 
Balances $1,500 – $99,9990.07%0.07% 
Balances $100,000 – $999,9990.12%0.12% 
Balances greater than $1,000,0000.30%0.30% 

 

Advantage Checking Account1Interest RateAPY2Minimum Opening Deposit
   $5,000.00
Balances less than $5,000.000.00%0.00% 
Balances $5,000.00 or more0.45%0.45% 
Business Accounts
Sole Prop./Non-Profit Now1
Interest RateAPY2Minimum Opening Deposit
   $100.00
Balances less than $1,5000.05%0.05% 
Balances $1,500 – $99,9990.07%0.07% 
Balances $100,000 – $999,9990.12%0.12% 
Balances greater than $1,000,0000.30%0.30% 

 

SAVINGS ACCOUNTS

Account TypeInterest RateAPY2Minimum Opening Deposit
Regular Savings10.05%0.05%$100.00
Christmas Club Savings10.05%0.05%$5.00
Business Savings10.05%0.05%$100.00

SAVINGSELITE

Account TypeInterest RateAPY2Minimum Opening Deposit



 $25,000.00
Balances less than $25,000.00
0.05%0.05% 
Balances $25,000.00 or more3.00%3.05% 

 

MONEY MARKET ACCOUNTS

Guaranty Money Market1Interest RateAPY2Minimum Opening Deposit
(Personal or Business)  $1,500.00
Balances less than $1,5000.00%0.00% 
Balances $1,500 – $99,9990.05%0.05% 
Balances $100,000 – $999,9990.15%0.15% 
Balances greater than $1,000,0000.35%0.35% 

 

1The interest rate and APY may change after account opening. Daily Balance is the amount of  principal in the account each day. 2The APY assumes that principal and interest are compounded for a period of one (1) year. Also, a penalty may be imposed for early withdrawal. Fees may reduce earnings.
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