EFFECTIVE DATE June 23 , 2016

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

CD RATES

Term

Rate

APY²

Minimum Opening Deposit

30 Day

0.10%

0.10%

$500.00

90 Day

0.15%

0.15%

$500.00

6 Month

0.30%

0.30%

$500.00

1 Year

0.45%

0.45%

$500.00

18 Month

0.60%

0.60%

$500.00

2 Year

0.90%

0.90%

$500.00

3 Year

1.05%

1.05%

$500.00

4 Year

1.35%

1.35%

$500.00

5 Year

1.50%

1.50%

$500.00

6 Year

1.50%

1.50%

$500.00

7 Year

1.50%

1.50%

$500.00

8 Year

1.50%

1.50%

$500.00

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Term

Rate

APY²

Minimum Opening Deposit

6 Month

0.30%

0.30%

$500.00

1 Year

0.45%

0.45%

$500.00

18 Month

0.60%

0.60%

$500.00

2 Year

0.90%

0.90%

$500.00

3 Year

1.05%

1.05%

$500.00

4 Year

1.35%

1.35%

$500.00

5 Year

1.50%

1.50%

$500.00

6 Year

1.50%

1.50%

$500.00

7 Year

1.50%

1.50%

$500.00

8 Year

1.50%

1.50%

$500.00

1 Year Target IRA

0.30%

0.30%

$500.00

CHECKING ACCOUNTS

 

Rate

APY²

Minimum Opening Deposit

Personal Accounts
Guaranty Plus Checking

$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%

Health Savings Account¹

$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%

Business Accounts
Sole Prop./Non-Profit Now¹

$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

 

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

Public Fund Savings¹

0.25%

0.25%

$100.00

MONEY MARKET ACCOUNTS

 

Rate

APY²

Minimum Opening Deposit

Guaranty Money Market¹

$1,500.00

(Personal or Business)
       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%

¹ The interest rate and APY may change after account opening. Daily Balance is the amount of  principal in the account each day.  ² The 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.