Up to 5.20% APY*

CD Specials

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Banking designed with you in mind.

Family Enjoying Time Together

Free Checking

Are you interested in a hassle-free and cost-free checking account for your banking needs? Learn more about Free Guaranty Green® Checking.

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Retired Couple Walking


Up to 5.20% APY*
We are proud to offer these amazing CD rates!

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Couple Hiking

Money Market

Our Premier Money Market offers a higher interest rate and more flexible access to your funds.

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Allpoint ATMs

Free ATMs

55,000 surcharge free ATM's worldwide. Your cash is never far away. Finding an Allpoint ATM is easy! Just look for the Allpoint logo or, better yet, use our locator.

How can we help your business?

Free Business Checking

Unlock growth with our free business checking. If you are looking for a hassle-free account then this for you. Your success is our priority.

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Business Loans

Fuel your business growth with our tailored loans - seize opportunities, expand operations, and reach new heights with our financial support.

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Treasury Services

Commercial Banking Solutions Your Business Needs To Keep Growing

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Merchant Services

Experience smooth payments for your business. Our advanced tech and know-how provide tailored solutions to match your requirements.

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Your Texas Community Bank

Vintage Vault Door

FDIC and IntraFi CDARS® Information

We at Guaranty want to make sure you have access to all the tools and resources you need to understand FDIC insurance, IntraFi CDARS® and how they work.

The CDARS program is program available for customers with uninsured deposits at Guaranty.

Learn more about FDIC Insurance
Learn more about IntraFi CDARS

2024 Bauer 5 Star Rating

Guaranty Awarded 5-Star Rating by Bauer

Guaranty Bank & Trust has earned a 5-Star rating according to Bauer Financial, Inc. the nation's leading independent bank rating firm. The 5-Star award recognizes Guaranty Bank & Trust's continual superior performance and strength. This award is based on an analysis of current financial data as supplied by federal regulators, supplemented by historical data.

Other Awards and Recognition

Guaranty Team Members at Food Pantry

Join Our Team

Over the last 13 years, our employees' feedback has consistently led to our recognition as one of the "Top Employers in Texas." We take immense pride in this achievement and are committed to maintaining it in the years ahead.

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Secure Convenient Banking with Our Mobile App

Access all the outstanding banking solutions you’ve come to expect from Guaranty Bank & Trust anytime, anywhere, and with just a few taps on your smartphone.

We have banked here for many years, through the different name changes with the bank since the early 90s. The fraud dept is the absolute best!! LOVE this bank!
The entire staff here makes you feel like family. I go to this bank multiple times a week and I always make sure to go inside. Everyone greets you by name and actually show interest in you. Nick is the main banker I deal with, and he’s outstanding at not only dealing with your finances but also welcoming you in. 100/10 bank. Couldn’t recommend it enough
Was very easy to open a new account and get the perks. Very nice people and efficient. I would recommend this place to my friends and family.
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*APY = annual percentage yield. This is a promotional product. Fees could reduce earnings. Penalty will be imposed for early withdrawal. 9-month and 13-month terms available. Minimum opening deposit is $2,500.00 for regular CDs. Minimum deposit to open and to earn the stated APY is $100,000 for jumbo CDs. APY is accurate as of May 6, 2024 for the jumbo 9-month term, and is subject to change without notice. Requires a Guaranty Bank & Trust checking account, and requires an additional specified bank service. Contact an employee for further information about applicable fees and terms. Account is not available to and does not apply to entities which are banks, credit unions, financial institutions, investment firms, other institutional investors, or brokered deposits.

For the most current interest rate information, please call 888-572-9881 or come by any Guaranty Bank & Trust location.