Skip Navigation Download Acrobat Reader 5.0 or higher to view PDF files.
FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Guaranty Bank & Trust
Online Banking Access

Personal Savings

 

Built Texas STRONG. a 7-month cd to match.

These rates won't stick around forever! Plant your money where it can grow deep Texas roots.
 
 
  1. APY = Annual Percentage Yield. Fees could reduce earnings. A penalty will be imposed for early withdrawal. Minimum deposit to open and to earn the stated APY is $500.00. APY is accurate as of June 15, 2026, and is subject to change without notice. This account product is available to consumers only; not available to and does not apply to businesses or entities which are banks, credit unions, financial institutions, investments firms or other institutional investors. The Certificate of Deposit will automatically renew into a 6‑month term at the interest rate in effect at the time of renewal. Contact an employee for further information about applicable fees and terms.
 

Savings that really add up.

Whatever you’re saving for, a dream vacation, college tuition, retirement or simply everyday expenses and future goals, we offer several options to help you meet your savings goals.

Our different types of savings accounts offer competitive interest rates and low fees, making them the perfect option for those looking to save for a rainy day, a big purchase, or retirement. Our user-friendly online platform allows you to easily monitor your account balance, transfer funds, and set up automatic savings plans. Plus, our experienced team of professionals is always ready to provide personalized guidance and support. With our savings accounts, you can take control of your finances and watch your savings grow. Start your journey towards financial freedom today!

blue piggy bank

Personal Savings 

Realize your savings goals with a personal account that offers a competitive interest rate on your balance.

blue hand and money

Money Market Accounts

Looking for more from your savings? Get more with a money market account.

Blue finances growing

Certificates of Deposit 

Accounts available with competitive interest rates and a variety of terms to meet your needs.

Blue bank deposit

Health Savings Account

Enables you to pay for qualified current health expenses and save for future medical expenses.

Want to compare these accounts side by side?

 
Older Couple in Water

Savings Account Comparison

Account Details 

Personal Savings Account

  • No minimum opening deposit
  • $2 monthly service charge if minimum balance falls below $100 during your statement cycle (service charged is waived if account holder is younger than 18)
  • Enjoy unlimited deposits, in-lobby withdrawals and ATM access
  • Your personal savings account may be insured by the FDIC. See FDIC Notice for details
  • Have a friend or family member under the age of 18? We offer a FREE savings account for them as well.
  • Link your Personal Savings account to your checking account to cover your overdrafts. 
  • Interest rates may change after opening of account
  • Fees may reduce earnings on individual accounts

Money Market Account

  • No minimum opening deposit
  • $10 monthly service change if minimum balance falls below $2,500 during your statement cycle
  • Enjoy unlimited deposits, in-lobby withdrawals and ATM access
  • Your money market savings account may be insured by the FDIC. See FDIC Notice for details
  • Earn a higher return from larger balances with tiered interest rates
  • Interest rates may change after opening of account
  • Fees may reduce earnings
 

Premier Money Market Account

  • $5,000 minimum opening deposit
  • $10 monthly service change if minimum balance falls below $5,000 during your statement cycle
  • Enjoy unlimited deposits, in-lobby withdrawals and ATM access
  • Your money market savings account may be insured by the FDIC. See FDIC Notice for details
  • Earn a higher return from larger balances with tiered interest rates
  • Interest rates may change after opening of account
  • Fees may reduce earnings


Certificates of Deposit 

  • $500 minimum opening deposit
  • Your Certificate of Deposit may be insured by the FDIC. See FDIC Notice for details
  • Earn a higher return for larger balances
  • Interest rates may change at renewal
  • Penalties may apply for early closure

Health Savings Account 

  • No minimum opening deposit
  • No minimum balance
  • No service charges
  • Unlimited check writing
  • Variable interest rate account that earns competitive interest
  • Free VISA® Debit Card
  • Available with a qualifying High-Deductible Health Plan (HDHP) – please consult a High-Deductible Health Plan provider regarding eligibility and contribution/distribution requirements.
  • Unused funds are retained and not forfeited at year-end as with some flexible spending accounts
  • Contact your nearest location to open today!
 
piggy bank and home
 
Automate Your Savings Today!
Sign up for Cash RoundUp®, and every time you use your debit card, your rounded up change will automatically transfer to your savings account at the end of each business day.
 
Enroll today in Cash RoundUp® by calling or stopping by your nearest location.