Certificates of Deposit

Guaranty Bank offers compettive rates on all certificates. We currently have CDs in terms of 30 days, 90 days, 6 months, 12 months, 18 months, 30 months.

Call your local office for rates.

** For more information refer to account disclosure

PENALTY FOR EARLY WITHDRAWAL - One month's loss of earnings penalty on the amount withdrawn for Certificates of Deposit with a term of 12 months or less. Three month's loss of earnings penalty on the amount withdrawn for Certificates of Deposit with a term greater than 12 months.

*Daily Balance determined by the application of a daily periodic rate to the full amount of principal in the account each day.

Individual Retirement Accounts (IRA)

Minimum Opening Deposit: $100.00

Interest Rate: Call for Rates

Annual Percentage Yield (APY): Call for Rates

Interest Computation Method: Daily Balance*

Interest will be compounded: Monthly

Interest Credited: Monthly

Statement Period: Semi Annually

If you close your account before interest is credited, you will not receive the accrued interest.

Your interest rate and annual percentage yield may change. At our discretion, we may change the interest rate on your account at any time.

On non-cash items interest will begin to accrue on the next business day.

PENALTY FOR EARLY WITHDRAWAL – Three month’s loss of earnings penalty on the amount withdrawn.

*The Daily Balance is determined by the application of a daily periodic rate to the full amount of principal in the account each day.

** For more information refer to account disclosure