Compare Personal Savings Accounts
Multi-Purpose
Regular Savings
- Savings for year-round goals
- Earn interest on your balance
- Up to 3 complimentary withdrawals per month*
Earns Interest
Savings ELITE
- Savings that pays competitive interest*
- Interest compounded and credited quarterly
- No withdrawal penalties
Holiday Savings
Christmas Club
- Savings account for the holiday season
- Interest credited to your account annually
- Funds disburse into your FGB account on the third Tuesday in October
Guaranteed Earnings
Certificates of Deposit (CDs)
- Save for a short- or long-term goal
- Competitive, fixed rate through your term
- Terms from 30 days to 8 years
Retirement Savings
IRA (Retirement)
- Save for retirement with tax advantages*
- Competitive interest above standard savings
- Traditional and Roth IRA options available
Health Savings
Health Savings Account (HSA)
- Save for qualified healthcare expenses
- Maintain access to funds year after year
- Unlimited check writing***
High Balances
Guaranty Money Market
- Tiered savings account for high balances
- Competitive interest on your balance
- Unlimited transactions
Monthly Service Charge
Daily Balance to Avoid Monthly Service Charge
$200
Minimum to Open
$100
($25 for minors)
Monthly Service Charge
NONE
Daily Balance to Avoid Monthly Service Charge
NONE
Minimum to Open
$25,000
Monthly Service Charge
NONE
Daily Balance to Avoid Monthly Service Charge
NONE
Minimum to Open
$5
Monthly Service Charge
NONE
Daily Balance to Avoid Monthly Service Charge
NONE
Minimum to Open
$500
Monthly Service Charge
NONE
Daily Balance to Avoid Monthly Service Charge
NONE
Minimum to Open
$500
Monthly Service Charge
NONE
Daily Balance to Avoid Monthly Service Charge
N/A
Minimum to Open
$100
Monthly Service Charge
Daily Balance to Avoid Monthly Service Charge
$1,500
Minimum to Open
$1,500
View All Checking Accounts
Please see FGB Schedule of Misc. Fees and Charges for additional fees that may apply to your account.
Regular Savings:
*Withdrawal fee $2 per transaction over three complimentary each month.
**Data and text rates may apply.
Savings ELITE:
*APY = Annual Percentage Yield. The minimum balance to open this account is $25,000.00. The account must maintain a balance of $25,000.00 daily to obtain the 2.53% annual percentage yield. After opening, if the account balance is below $25,000.00 the APY drops to 0.05%. Interest will be compounded daily and will be credited to the account quarterly. APY and interest rates are subject to change at any time and may change after account opening. Disclosed APY is accurate as of 02/26/2026.
**Data and text rates may apply.
IRA (Retirement):
*Consult a tax advisor.
**Current rates, yields, and account disclosure forms available upon request from our Customer Support Agents.
Health Savings Account (HSA):
*Consult a tax advisor.
**Data and text rates may apply.
***Unlimited check writing for qualified medical expenses.
Guaranty Money Market:
*Data and text rates may apply.