Rates

EFFECTIVE DATE

October 11, 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 RateAPY2Minimum Opening Deposit
30 Day0.10%0.10%$500.00
90 Day0.15%0.15%$500.00
6 Month0.30%0.30%$500.00
1 Year1.55%1.55%$500.00
18 Month1.85%1.85%$500.00
2 Year2.00%2.00%$500.00
3 Year2.05%2.05%$500.00
4 Year2.35%2.35%$500.00
5 Year3.00%3.00%$500.00
6 Year3.00%3.00%$500.00
7 Year3.00%3.00%$500.00
8 Year3.00%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 year3.25%3.25%$500.00

 

 

INDIVIDUAL RETIREMENT ACCOUNTS (IRAs)

TermRateAPY2Minimum Opening Deposit
6 Month0.30%0.30%$500.00
1 Year1.55%1.55%$500.00
18 Month1.85%1.85%$500.00
2 Year2.00%2.00%$500.00
3 Year2.05%2.05%$500.00
4 Year2.35%2.35%$500.00
5 Year3.00%3.00%$500.00
6 Year3.00%3.00%$500.00
7 Year3.00%3.00%$500.00
8 Year3.00%3.00%$500.00
1 Year Target IRA2.19%2.19%$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

RateAPY2Minimum Opening Deposit
$100.00
Balances less than $1,5000.05%0.05%
Balances $1,500 – $99,9990.07%0.07%
Balances $100,000 – $999,9990.12%0.12%
Balances greater than $1,000,0000.30%0.30%

 

Advantage Checking Account1RateAPY2Minimum Opening Deposit
$5,000.00
Balances less than $5,000.000.00%0.00%
Balances $5,000.00 or more1.00%1.00%
Business Accounts
Sole Prop./Non-Profit Now1
RateAPY2Minimum Opening Deposit
$100.00
Balances less than $1,5000.05%0.05%
Balances $1,500 – $99,9990.07%0.07%
Balances $100,000 – $999,9990.12%0.12%
Balances greater than $1,000,0000.30%0.30%

 

SAVINGS ACCOUNTS

Account TypeRateAPY2Minimum Opening Deposit
Regular Savings10.05%0.05%$100.00
Christmas Club Savings10.05%0.05%$5.00
Business Savings10.05%0.05%$100.00

 

MONEY MARKET ACCOUNTS

Guaranty Money Market1RateAPY2Minimum Opening Deposit
(Personal or Business)$1,500.00
Balances less than $1,5000.00%0.00%
Balances $1,500 – $99,9990.05%0.05%
Balances $100,000 – $999,9990.15%0.15%
Balances greater than $1,000,0000.35%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.