Deposit rates effective October 13, 2021 -  All rates quoted are subject to change at any time.


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Account Type Interest Rate Annual Percentage Yield (APY)
Online Applications
(Edge or Chrome required)
5 Year Certificate of Deposit* .70% .70% Apply Now
4 Year Certificate of Deposit*
.55% .55% Apply Now
3 Year Certificate of Deposit*
.45% .45% Apply Now
2 Year Certificate of Deposit*
.35% .35% Apply Now
18 Month Certificate of Deposit*
.30% .30% Apply Now
1 Year Certificate of Deposit*
.20% .20% Apply Now
6 Month Certificate of Deposit*
.15% .15% Apply Now
3 Month Certificate of Deposit*
.10% .10% Apply Now
IRA Certificates of Deposit  
available in all CD terms


N/A
Statement Savings Account**
Minimum balance to open - $10.00
Minimum balance to obtain A.P.Y. - $100.00
.05% .05% Apply Now

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

.05% .05% N/A
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
.10% .10% N/A
N.O.W Checking**
Minimum balance to open - $100.00
Minimum balance to obtain A.P.Y. - $500.00

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


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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


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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


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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 over $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% Apply Now
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


N/A
Daily balance $10,000.00 & over .35% .35%
Daily balance $5,000.00 - $9,999.99
.20% .20%

Daily balance $1,000.00 - $4,999.99 .10% .10%

Daily balance up to - $999.99
.05% .05%

HI-FI Account (Money Market)** 
Minimum balance to open and obtain A.P.Y. - $1,000.00


Apply Now
Daily balance $10,000.00 & over
.10% .10%
Daily balance $6,000.00 - $9,999.99 .05% .05%

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


Apply Now
Daily balance $100,000 & over .20% .20%

Daily balance $50,000.00 - $99,999.99 .15% .15%

Daily balance $25,000.00 - $49,999.99 .10% .10%

Daily balance $1,000.00 - $24,999.99 .05% .05%

* 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!