EFFECTIVE DATE April 17, 2014

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

0.20%

0.20%

$500.00

6 Month

0.35%

0.35%

$500.00

1 Year

0.50%

0.50%

$500.00

18 Month

0.65%

0.65%

$500.00

2 Year

0.85%

0.85%

$500.00

3 Year

1.15%

1.15%

$500.00

4 Year

1.45%

1.45%

$500.00

5 Year

1.55%

1.55%

$500.00

6 Year

2.00%

2.00%

$500.00

7 Year

2.00%

2.00%

$500.00

8 Year

2.00%

2.00%

$500.00

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Term

Rate

APY²

Minimum Opening Deposit

6 Month

0.35%

0.35%

$500.00

1 Year

0.50%

0.50%

$500.00

18 Month

0.65%

0.65%

$500.00

2 Year

0.85%

0.85%

$500.00

3 Year

1.15%

1.15%

$500.00

4 Year

1.45%

1.45%

$500.00

5 Year

1.55%

1.55%

$500.00

6 Year

2.00%

2.00%

$500.00

7 Year

2.00%

2.00%

$500.00

8 Year

2.00%

2.00%

$500.00

1 Year Target IRA

0.03%

0.03%

$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

0.10%

0.10%

       Balances 100,000 – $999,999

0.20%

0.20%

       Balances greater than $1,000,000

0.40%

0.40%

Health Savings Account¹

$100.00

       Balances less than $1,500

0.05%

0.05%

       Balances $1,500 – $99,999

0.10%

0.10%

       Balances 100,000 – $999,999

0.20%

0.20%

       Balances greater than $1,000,000

0.40%

0.40%

Business Accounts
Sole Prop./Non-Profit Now¹

$100.00

       Balances less than $1,500

0.05%

0.05%

       Balances $1,500 – $99,999

0.10%

0.10%

       Balances 100,000 – $999,999

0.20%

0.20%

       Balances greater than $1,000,000

0.40%

0.40%

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

0.02%

0.02%

$100.00

MONEY MARKET ACCOUNTS

 

Rate

APY²

Minimum Opening Deposit

Premium Money Market¹

$1,500.00

(Personal or Business)

       Balances less than $1,500

0.00%

0.00%

       Balances $1,500 – $99,999

0.15%

0.15%

       Balances 100,000 – $999,999

0.30%

0.30%

       Balances greater than $1,000,000

0.50%

0.50%

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.