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Certificates Of Deposit (CDs)

CD Special

12-Month Online CD

  • 12 months
  • 4.55% APY*
  • $2,500 Minimum

Guaranty also offers a 13-month CD at all locations with the same great rates and other competitive savings and checking accounts.
Find your most convenient location to get it setup today!

*APY effective as of February 28, 2022. APY is subject to change without notice.

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Guaranty Certificate of Deposit Account Highlights

Not all investments come with peace of mind. But, if you’re in the market for a savings tool that promises consistent results no matter how much stock prices rise and fall, you might be looking for a Certificate of Deposit (CD).


  • Interest-Bearing Account1
  • FDIC insured
  • Fixed terms
  • Viewable in Online Banking


  • $1,000 Minimum
  • Early Withdrawals May Incur Penalties

Term Options

  • Tiered Investment Opportunities
  • 30 day - 5 year term options

Certificate of Deposit FAQ's

A certificate of deposit (CD) is a type of savings account. CDs have a fixed term and a fixed interest rate. Depositors who open a CD account agree to leave their money on deposit for the term of the CD. In return, you receive a higher interest rate than you would on a regular savings account. CDs are considered to be low-risk investments, as the deposit is FDIC-insured and the interest rate is fixed. When the CD matures, you can withdraw the money or roll over the deposit into a new CD.

Yes, CDs are FDIC-insured, which means that your deposit is insured up to the maximum applicable limits.

CD's do not permit additional deposits after the account is opened.

When your CD matures, you will have several options. You can withdraw the money and close the account, roll over the deposit into a new CD, or let the CD automatically renew for the same term at the current interest rate.

CDs have an early withdrawal penalty, which means you will lose some of the interest earned if you withdraw the money before the CD matures. The penalty can vary depending on the CD amount and the length of the CD term.

*APY effective as of February 28, 2022. APY is subject to change without notice. Minimum opening balance of the online special is $2,500. Must maintain a minimum balance of $2,500 to obtain the disclosed Annual Percentage Yield (APY). Online CD not available in locations. May incur penalties for early withdrawal.

1For current interest rate information, please call 888-572-9881 or come by any Guaranty Bank & Trust location.