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4.50% 7-Month CD at Guaranty Bank in Los Angeles


Update 10/20/08: This CD special has expired. Please check the bank's website for the latest rates and specials.

Guaranty Bank has lowered the rate on its special CD, but it's still very competitive. The yield dropped from 5% to 4.50% APY. The term remains at 7 months. The minimum deposit is $1,000.

The promotion page continues to state that the offer is only available to residents of Los Angeles County. However, if you call, the customer service rep may make exceptions. In previous calls I've been told anyone in California could apply. Two readers have reported being allowed to apply even though they weren't in LA.

The CD must be opened by phone. I have more details in this post.

Guaranty Bank's headquarters is in Austin, Texas. It has $15.9 billion in assets. The bank has been FDIC insured since 1988 (FDIC Certificate # 32618).

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