Guaranty Bank

Reviews (2)

Fairly Easy

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My experience from Guaranty Bank transitioning to an only online banking has been fairly easy. There have been a few issues where I realized I could'n't do a specific task because there was no brick and mortar location to go to.


I like my bank there is no fee for my checking count and I can access the bank via an app 24/7. They have check deposit via my phone and I have been a loyal customer for over 6 years now. One of the best things about this bank is the customer service. I can call and I talk to a human every time any time I want. A few months ago I had an overdraft fee that was still in process and I called to have it reversed. They were going to do the reversal but it did not post yet. I asked if I had to call back the following day but the rep said that there was no need to do that and she would make a note to herself to have that reversed and posted for me. The next day when I checked she reversed the charge. I also like that the bank is local and it provides jobs to my community.


Health Grade Components

FDIC Certificate #58892
Year Established2008
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD6.91%
Annual Interest Income$79.9MM
Assets and Liabilities
AssetsQ3 2023vs Q3 2022$2.24B$2.11B
LoansQ3 2023vs Q3 2022$1.73B$1.63B
DepositsQ3 2023vs Q3 2022$1.72B$1.63B
Equity CapitalQ3 2023vs Q3 2022$339.6MM$312.3MM
Loan Loss AllowanceQ3 2023vs Q3 2022$21.1MM$23.5MM
Unbacked Noncurrent LoansQ3 2023vs Q3 2022$8.9MM$6.2MM
Real Estate OwnedQ3 2023vs Q3 2022$120K$150K
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Always verify rates and promotions with the bank or credit union. We are not Guaranty Bank; we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Guaranty Bank Savings Account Rates

0.80%--Health Savings Account (HSA)
0.15%--Regular Savings
0.15%--Minor Savings
0.15%--Christmas Club
0.15%--Vacation Club

Guaranty Bank Money Market Rates

0.85%*$500k*-Money Market Savings
OTHER TIERS: 0.20% $1k - $25k | 0.25% $25k - $100k | 0.60% $100k - $500k

Guaranty Bank Checking Account Rates

3.00%*-$25kElevate Checking
OTHER TIERS: 0.25% $25k+
0.25%*$10k*-Elite Checking
OTHER TIERS: 0.10% Up to $10k

Guaranty Bank CD Rates

4.80%--6 Month CD
4.50%--15 Month CD
3.00%--10 Month CD
0.85%--24 Month CD
0.85%--36 Month CD
0.85%--48 Month CD
0.85%--60 Month CD
0.85%--72 Month CD
0.75%--18 Month CD
0.70%--12 Month CD
0.50%--3 Month CD

Guaranty Bank IRA Rates

0.80%$25-2 Year IRA Open Certificate
0.80%$1k-12 Month IRA
0.80%$1k-18 Month IRA
0.80%$1k-24 Month IRA
0.80%$1k-36 Month IRA
0.80%$1k-48 Month IRA
0.80%$1k-60 Month IRA
0.80%$1k-72 Month IRA


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