Guaranty Savings Accounts

Where can your savings take you?

Compare your savings account options.

Saving money can be a daunting task, but with our savings products, it's easier than ever to reach your financial goals. Our accounts offer competitive interest rates and low fees, making it 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 products, you can take control of your finances and watch your savings grow. Start your journey towards financial freedom today by opening an account with us.

Savings Premier Money Market Health Savings Account
Choose this account if: You are looking for a simple way to save money. You want to earn interest while having immediate access to your funds. You want tax advantages when saving for out-of-pocket medical expenses.
Opening Deposit $50 $2,500 $50
Service Charge $5 Quarterly, waived for the first 2 statement cycles $15 Monthly $25 Annually
(Due June 30th)
Minimum Balance to Avoid Service Charge $200 $2,500 $500 as of June 30th
Minimum Balance to Earn Interest $0.01 $2,500 $0.01
Earns Interest (ask for our current rates) Yes Yes Yes
Requirements E-Statements* E-Statements* E-Statements*
Must be covered under a high deductible health plan
Transaction Limits Unlimited free debits include self-service and electronic items such as ACH and ATM transactions or transfers made through online banking, the mobile app, or phone plus.

6 debits per quarter, $3 per debit transaction over 6.
Unlimited free debits include self-service and electronic items such as ACH and ATM transactions or transfers made through online banking, the mobile app, or phone plus.

6 debits per statement cycle, $3 per debit transaction over 6.
Additional Information *Paper statements available $5 per quarter *Paper statements available $5 per month.

Interest Rate Tiers:
$2,500 - $24,999.99
$25,000 - $99,999.99
$100,000 - $249,999.99
*Paper statements available $5.00 per month.

Free MasterCard¹ debit card for all health related expenses.
Open a Green Checking
Open a Student Checking
Open a Health Savings

Guaranty Savings Account Features

All Guaranty savings accounts offer these convenient features:

Digital Banking

  • Online Banking with Bill Pay
  • Mobile Banking
  • E-Statements
  • Automatic Transfers

Debit Cards & ATMs

  • ATM Card or Debit Card1 (HSA only)
  • 55,000 surcharge free ATMs Worldwide2
  • Deposit Cash & Checks at ATMs3


  • Notary Service
  • 24 Hour Phone Plus
  • Coin Counting

Looking for a more savings options?


Receive a higher interest rate than you would on a regular savings account. We offer a variety of terms available from 7 days to 5 years.

Individual Retirement Account

Young or old, any age is a good time to plan for the future with our trusted IRA investment options.

Saving Made Simple!

Sign up for Cash RoundUp®, then every time you use your debit card, your rounded up change will automatically transfer to your savings account. It is the perfect to help your savings grow!

All you do is use your debit card, and we take care of the rest.  We will roundup each transaction to the nearest dollar and deposit the amount needed to do that into your savings or money market account.

May be subject to additional terms and conditions.


  1. Mastercard is a registered trademark of Mastercard International Incorporated.
  2. Surcharge-free ATMs when using Guaranty Bank & Trust ATM or an ATM in the Allpoint network. Find one near you at
  3. Not available at all ATMs

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