Money Market Accounts

• Premium interest rates.
• Bank policy limits the number of debits or checks to six per statement cycle. No limit on in person withdrawals or transfers. $10 excess w/d fee, per item.
  
• Maintain a $1,000 minimum daily balance or $2,500 average balance and the $10 service charge will be waived.

Savings Accounts

• Earns a competitive interest rate.
• Maintain a $100 minimum daily balance and the $6 monthly service charge will be waived.
• Free to minors under 18.
• Unlimited deposits and 6 withdrawals per month. Excess withdrawal fee is $1 per item.

Certificates of Deposit - CDs

• Choice of maturities ranging from 7 days to 5 years.
• $1,000 minimum opening deposit.

Individual Retirement Accounts - IRAs

• IRA Certificates of Deposit terms of 12 months, 18 months, 2 years and 3 years fixed ($1,000 minimum opening deposit).
• IRA Certificates of Deposit term of 18 month variable ($100 minimum opening deposit)

Health Savings Accounts - HSAs

• Two options available:
  • Guaranty Bank HSA - free interest-earning savings plan.
    • No service fees.
    • No minimum balance.
    • Debit card access available.
    • Online banking access available.
    • Interest paid at current market rates found here.
  • Health Equity HSA
    • Investment tool, similar to a 401K with a monthly $2.50 fee.
    • Accelerate your HSA checking account with a Health Equity Account, learn more here.

Rates on all savings account options are available at the bank and SFCbank/gbankmo.com.