Rates

EFFECTIVE DATE

November 8, 2018

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  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 1.55% 1.55% $500.00
18 Month 1.85% 1.85% $500.00
2 Year 2.00% 2.00% $500.00
3 Year 2.05% 2.05% $500.00
4 Year 2.35% 2.35% $500.00
5 Year 3.00% 3.00% $500.00
6 Year 3.00% 3.00% $500.00
7 Year 3.00% 3.00% $500.00
8 Year 3.00% 3.00% $500.00

VARIABLE RATE CDS

Term Rate APY2 Minimum Opening Deposit
2 year 2.10% 2.10% $500.00
40 month 3.10% 3.10% $500.00
5 year 3.25% 3.25% $500.00

 

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

Term Rate APY2 Minimum Opening Deposit
6 Month 0.30% 0.30% $500.00
1 Year 1.55% 1.55% $500.00
18 Month 1.85% 1.85% $500.00
2 Year 2.00% 2.00% $500.00
3 Year 2.05% 2.05% $500.00
4 Year 2.35% 2.35% $500.00
5 Year 3.00% 3.00% $500.00
6 Year 3.00% 3.00% $500.00
7 Year 3.00% 3.00% $500.00
8 Year 3.00% 3.00% $500.00
1 Year Target IRA 2.34% 2.34% $500.00

VARIABLE RATE IRAs

Term Rate APY2 Minimum Opening Deposit
2 year 2.10% 2.10% $500.00
40 month 3.10% 3.10% $500.00
5 year 3.25% 3.25% $500.00

 

 

 

Health Savings Account1

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 Rate APY2 Minimum Opening Deposit
$5,000.00
Balances less than $5,000.00 0.00% 0.00%
Balances $5,000.00 or more 1.00% 1.00%
Business Accounts
Sole Prop./Non-Profit Now1
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 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

 

MONEY MARKET ACCOUNTS

Guaranty Money Market1 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.