Interest Rates

EFFECTIVE DATE

November 6, 2025

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

FIXED RATE CDS

Term	Interest Rate	APY²	Minimum Opening Deposit
30 Day	3.50%	3.50%	$500.00
90 Day	3.40%	3.40%	$500.00
6 Month	3.30%	3.30%	$500.00
1 Year	3.20%	3.20%	$500.00
18 Month	3.00%	3.00%	$500.00
2 Year	3.00%	3.00%	$500.00
3 Year	3.00%	3.00%	$500.00
4 Year	3.10%	3.10%	$500.00
5 Year	3.10%	3.10%	$500.00
6 Year	3.10%	3.10%	$500.00
7 Year	3.10%	3.10%	$500.00
8 Year	3.10%	3.10%	$500.00

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Term	Interest Rate	APY²	Minimum Opening Deposit
6 Month	3.30%	3.30%	$500.00
1 Year	3.20%	3.20%	$500.00
18 Month	3.00%	3.00%	$500.00
2 Year	3.00%	3.00%	$500.00
3 Year	3.00%	3.00%	$500.00
4 Year	3.10%	3.10%	$500.00
5 Year	3.10%	3.10%	$500.00
6 Year	3.10%	3.10%	$500.00
7 Year	3.10%	3.10%	$500.00
8 Year	3.10%	3.10%	$500.00

CHECKING ACCOUNTS

Health Savings Account¹	Interest Rate	APY²	Minimum Opening Deposit
			$100.00
Balances less than $1,500	0.05%	0.05%
Balances $1,500 – $99,999	0.07%	0.07%
Balances $100,000 – $999,999	0.12%	0.12%
Balances greater than $1,000,000	0.30%	0.30%

Advantage Checking Account¹	Interest Rate	APY²	Minimum Opening Deposit
			$5,000.00
Balances less than $5,000.00	0.00%	0.00%
Balances $5,000.00 or more	0.45%	0.45%

Hero Checking Account¹	Interest Rate	APY²	Minimum Opening Deposit
			$25.00
Balances less than $5,000.00	2.75%	2.78%
Balances $5,000.00 or more	0.05%	Range from 2.78% to 0.05%

Business Accounts Sole Prop./Non-Profit Now¹	Interest Rate	APY²	Minimum Opening Deposit
			$100.00
Balances less than $1,500	0.05%	0.05%
Balances $1,500 – $99,999	0.07%	0.07%
Balances $100,000 – $999,999	0.12%	0.12%
Balances greater than $1,000,000	0.30%	0.30%

SAVINGS ACCOUNTS

Account Type	Interest Rate	APY²	Minimum Opening Deposit
Regular Savings¹	0.05%	0.05%	$100.00
Christmas Club Savings¹	0.05%	0.05%	$5.00
Business Savings¹	0.05%	0.05%	$100.00

SAVINGSELITE

Account Type	Interest Rate	APY²	Minimum Opening Deposit
			$25,000.00
Balances less than $25,000.00	0.05%	0.05%
Balances $25,000.00 or more	2.75%	2.79%

MONEY MARKET ACCOUNTS

Guaranty Money Market¹	Interest Rate	APY²	Minimum Opening Deposit
(Personal or Business)			$1,500.00
Balances less than $1,500	0.00%	0.00%
Balances $1,500 – $99,999	0.05%	0.05%
Balances $100,000 – $999,999	0.15%	0.15%
Balances greater than $1,000,000	0.35%	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.