Deposit rates effective February 15, 2017 -  All rates quoted are subject to change at any time.

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Account Type Interest Rate Annual Percentage Yield (APY)
5 Year Certificate of Deposit* 1.09% 1.10%
4 Year Certificate of Deposit*
.90% .90%
3 Year Certificate of Deposit*
.80% .80%
30 Month Certificate of Deposit*
.65% .65%
2 Year Certificate of Deposit*
.55% .55%
18 Month Certificate of Deposit*
.45% .45%
1 Year Certificate of Deposit*
.35% .35%
6 Month Certificate of Deposit*
.25% .25%
3 Month Certificate of Deposit*
.15% .15%
IRA Certificates of Deposit  
available in all CD terms
Statement Savings Account**
Minimum balance to open - $10.00
Minimum balance to obtain A.P.Y. - $100.00

.10% .10%

Young Savers Club Account**
Minimum balance to open - $1.00

.10% .10%
Passbook Savings**
No longer available for new accounts

Minimum balance to obtain A.P.Y. - $100.00
.05% .05%
All Purpose Club Account
Minimum balance to obtain A.P.Y. - $20.00
.15% .15%
N.O.W Checking**
Minimum balance to open - $100.00
Minimum balance to obtain A.P.Y. - $500.00

.05% .05%
GO Checking
Minimum balance to open - $10.00
Certain qualifications apply - click here for details
+ Blended A.P.Y. depending on account balance


If qualifications ARE met - Daily balances up to $10,000.00 2.00% 2.02%
If qualifications ARE met - Daily balances over $10,000.00

(only on the portion of balance over $10,000.00)
.25% 2.02% to .25% +
If qualifications ARE NOT met (base rate) .05% .05%
GO Checking Plus (with GO Savings)
Minimum balance to open - $10.00
Certain qualifications apply - click here for details
+ Blended A.P.Y. depending on account balance


If qualifications ARE met - Daily balances up to $10,000.00
2.00% 2.00%
If qualifications ARE met - Daily balances over $10,000.00

(only on the portion of balance over$10,000.00)
.25% 2.00% to .25% +
If qualifications ARE NOT met (base rate)
.05% .05%
GO Savings
Minimum balance to open - $10.00
Certain qualifications apply - click here for details
+ Blended A.P.Y. depending on account balance


If qualifications ARE met - Daily balances up to $25,000.00
.75% .75%
If qualifications ARE met - Daily balances over $25,000.00

(only on the portion of balance of $25,000.00)
.25% .75% - .25% +
If qualifications ARE NOT met (base rate)
.05% .05%
Golden Guaranty Checking**
Minimum balance to open - $10
.05% .05%
Premium Guaranty Checking**
No longer available for new accounts
.05% .05%
Premium Plus Guaranty Checking** 
No longer available for new accounts


Daily balance $2,500.00 & over .10% .10%
Daily balance up to $2,499.99 .05% .05%
Health Savings Accounts / HSA Checking**
Minimum balance to open - $100.00


Daily balance $10,000.00 & over .40% .40%
Daily balance $5,000.00 - $9,999.99
.25% .25%
Daily balance $1,000.00 - $4,999.99 .15% .15%
Daily balance up to - $999.99
.10% .10%
HI-FI Account (Money Market)** 
Minimum balance to open and obtain A.P.Y. - $1,000.00

Daily balance $10,000.00 & over
.15% .15%
Daily balance $6,000.00 - $9,999.99 .10% .10%
Daily balance $1,000.00 - $5,999.99 .05% .05%
Guaranty Select Money Market** 
Minimum balance to open and obtain A.P.Y. - $1,000.00


Daily balance $100,000 & over .30% .30%
Daily balance $50,000.00 - $99,999.99 .20% .20%
Daily balance $25,000.00 - $49,999.99 .15% .15%
Daily balance $1,000.00 - $24,999.99 .10% .10%

* Minimum balance to open - $1,000.00, unless otherwise stated

** The rates may change after the account is opened and fees could reduce the earning on the account.


Unless otherwise stated above, there is no minimum balance needed to obtain APY.

A substantial penalty may be imposed for early withdrawals on certificates of deposit.


Ask about our Jumbo Certificate of Deposit rates!