Guilford Savings Bank

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CURRENT TOP RATE

5 Year CD w/ Prime Access Checking

Overview / Commentary

www.gsb-yourbank.com

203-453-2721

One Park Street
Guilford, CT 06437

From the Bank

Founded in 1875 by 17 local business owners, we have proudly stood as a trusted institution. Starting with a $17,000 investment and one branch, GSB has grown to a six-office, $700 million bank.

Time has passed, but our commitment to the community remains equally strong. The first item on our strategic plan is to always remain a mutual savings bank. We have no stockholders. That means it's in our best interest that you succeed. You thrive, we thrive. This customer focus sets us apart from other financial institutions.

Related Posts

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2018
2017

9/26 - Indexed Money Market Account

12/19 - 12-Month CD,1.70% APY

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Health

A+

Data as of Q4 2021

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Health Grade Components

Overall
FDIC Certificate #	18194
Year Established	1875
Employees	139
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.75%
Return on Equity - YTD	6.75%
Annual Interest Income	$31.2MM

Assets and Liabilities
Assets	Q4 2021vs Q4 2020	$1.02B$971.0MM
Loans	Q4 2021vs Q4 2020	$687.8MM$686.3MM
Deposits	Q4 2021vs Q4 2020	$887.1MM$798.5MM
Equity Capital	Q4 2021vs Q4 2020	$114.6MM$107.5MM
Loan Loss Allowance	Q4 2021vs Q4 2020	$7.7MM$7.8MM
Unbacked Noncurrent Loans	Q4 2021vs Q4 2020	$3.8MM$5.3MM
Real Estate Owned	Q4 2021vs Q4 2020	$0$0

Rates

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Savings
Money Market
Checking
CD
IRA

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

Guilford Savings Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.75%^*	$50k^*	-	Prime Access Health Savings Account
OTHER TIERS: 0.50% → $5k - $50k
0.20%^*	$15k^*	-	Health Savings Account
OTHER TIERS: 0.05% → $1k - $5k \| 0.10% → $5k - $15k
0.10%	$50	-	Smart Savings w/ Prime Access Checking
0.05%	$50	-	Smart Savings w/ Preferred Access Checking
0.05%	$50	-	Business Preferred Savings
0.02%	$50	-	IRA Statement Savings
0.02%	$50	-	E-Savings
0.02%	-	-	School Savings
0.02%	$50	-	Smart Savings w/ Access Checking
0.02%	$50	-	Business E-Savings

Guilford Savings Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$250k^*	-	Smart Money Market w/ Prime Access Checking
OTHER TIERS: 0.10% → Up to $50k \| 0.15% → $50k - $250k
0.15%^*	$250k^*	-	Smart Money Market w/ Preferred Access Checking
OTHER TIERS: 0.05% → Up to $50k \| 0.10% → $50k - $250k
0.15%^*	$250k^*	-	Business Preferred Money Market
OTHER TIERS: 0.02% → $1k - $50k \| 0.05% → $50k - $100k \| 0.10% → $100k - $250k
0.10%^*	$250k^*	-	Smart Money Market w/ Access Checking
OTHER TIERS: 0.02% → Up to $50k \| 0.05% → $50k - $250k
0.10%^*	$100k^*	-	Business Money Market
OTHER TIERS: 0.02% → $1k - $50k \| 0.05% → $50k - $100k
0.02%	$50	-	Mutual Interest Money Market

Guilford Savings Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	$2.5k	-	Prime Access Checking
0.02%	$1.5k	-	Preferred Access Checking
0.02%	$50	-	Access Checking
0.02%	$25k	-	Business Select Checking
0.01%	-	-	Business Select Plus Checking

Guilford Savings Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$1k	-	5 Year CD w/ Prime Access Checking
0.85%	$1k	-	4 Year CD w/ Prime Access Checking
0.85%	$5k	-	19 Month Smart CD w/ Prime Access Checking
0.75%	$1k	-	3 Year CD w/ Prime Access Checking
0.60%	$5k	-	19 Month Smart CD w/ Access Checking Account
0.60%	$5k	-	19 Month Smart CD w/ Preferred Access Checking Account
0.50%	$1k	-	Business 3 Year CD
0.50%	$1k	-	2 Year CD w/ Prime Access Checking
0.35%	$1k	-	18 Month CD w/ Prime Access Checking
0.30%	$1k	-	5 Year CD w/ Preferred Access Checking
0.30%	$1k	-	5 Year CD w/ Access Checking
0.30%	$1k	-	Business 2 Year CD
0.25%	$1k	-	4 Year CD w/ Preferred Access Checking
0.25%	$1k	-	4 Year CD w/ Access Checking
0.25%	$1k	-	1 Year CD w/ Prime Access Checking
0.25%	$5k	-	Business 14 Month CD Special
0.20%	$1k	-	Business 6 Month CD
0.20%	$1k	-	Business 1 Year CD
0.20%	$1k	-	3 Year CD w/ Preferred Access Checking
0.20%	$1k	-	3 Year CD w/ Access Checking
0.20%	$1k	-	5 Year CD
0.20%	$1k	-	9 Month CD w/ Prime Access Checking
0.20%	$5k	-	3 Month CD ($5,000 min to open) w/ Access Checking
0.20%	$5k	-	3 Month CD ($5,000 min to open) w/ Preferred Access Checking
0.20%	$5k	-	3 Month CD ($5,000 min to open) w/ Prime Access Checking
0.20%	$5k	-	3 Month CD ($5,000 min to open)
0.15%	$1k	-	2 Year CD w/ Preferred Access Checking
0.15%	$1k	-	2 Year CD w/ Access Checking
0.15%	$1k	-	4 Year CD
0.15%	$1k	-	18 Month CD w/ Access Checking
0.15%	$1k	-	18 Month CD w/ Preferred Access Checking
0.10%	$1k	-	1 Year CD w/ Preferred Access Checking
0.10%	$1k	-	1 Year CD w/ Access Checking
0.10%	$1k	-	3 Year CD
0.10%	$1k	-	3 Month CD w/ Prime Access Checking
0.10%	$1k	-	6 Month CD w/ Prime Access Checking
0.10%	$5k	-	Business 3 Month CD Special
0.05%	$1k	-	Business 3 Month CD
0.05%	$1k	-	1 Year CD
0.05%	$1k	-	2 Year CD
0.05%	$1k	-	3 Month CD
0.05%	$1k	-	3 Month CD w/ Access Checking
0.05%	$1k	-	3 Month CD w/ Preferred Access Checking
0.05%	$1k	-	6 Month CD
0.05%	$1k	-	6 Month CD w/ Access Checking
0.05%	$1k	-	6 Month CD w/ Preferred Access Checking
0.05%	$1k	-	9 Month CD
0.05%	$1k	-	9 Month CD w/ Access Checking
0.05%	$1k	-	9 Month CD w/ Preferred Access Checking
0.05%	$1k	-	18 Month CD

Guilford Savings Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.00%	$1k	-	5 Year IRA w/ Prime Access Checking
0.85%	$1k	-	4 Year IRA w/ Prime Access Checking
0.85%	$5k	-	19 Month Smart IRA w/ Prime Access Checking
0.75%	$1k	-	3 Year IRA w/ Prime Access Checking
0.60%	$5k	-	19 Month Smart IRA w/ Access Checking Account
0.60%	$5k	-	19 Month Smart IRA w/ Preferred Access Checking Account
0.50%	$1k	-	2 Year IRA w/ Prime Access Checking
0.30%	$1k	-	5 Year IRA w/ Access Checking
0.30%	$1k	-	5 Year IRA w/ Preferred Access Checking
0.25%	$1k	-	4 Year IRA w/ Access Checking
0.25%	$1k	-	4 Year IRA w/ Preferred Access Checking
0.25%	$1k	-	1 Year IRA w/ Prime Access Checking
0.20%	$1k	-	3 Year IRA w/ Access Checking
0.20%	$1k	-	3 Year IRA w/ Preferred Access Checking
0.20%	$1k	-	5 Year IRA
0.15%	$1k	-	2 Year IRA w/ Access Checking
0.15%	$1k	-	2 Year IRA w/ Preferred Access Checking
0.15%	$1k	-	4 Year IRA
0.10%	$1k	-	1 Year IRA w/ Access Checking
0.10%	$1k	-	1 Year IRA w/ Preferred Access Checking
0.10%	$1k	-	3 Year IRA
0.05%	$1k	-	1 Year IRA
0.05%	$1k	-	2 Year IRA

Locations

Guilford Savings Bank Locations
Old Toll Road Branch	494 Old Toll Road	Madison, CT 06443
North Main Street Branch	61 North Main Street	Branford, CT 06405
The Guilford Plaza Branch	625 Boston Post Road	Guilford, CT 06437
Madison Branch	589 Boston Post Road	Madison, CT 06443
Boston Post Road Branch	840 Boston Post Road	Old Saybrook, CT 06475
The Guilford Savings Bank	1 Park St	Guilford, CT 06437
North Haven Branch	158 Washington Avenue	North Haven, CT 06437
Northford Branch Office	1409 Middletown Avenue	Northford, CT 06472

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