CD Rates
We are proud to offer these Jumbo CD rates!
9 Month Jumbo CD
9 Month Jumbo CD
4.10% APY¹
4.10% APY¹
Min Deposit : $100,000
FDIC Insured
13 Month Jumbo CD
13 Month Jumbo CD
3.75% APY¹
3.75% APY¹
Min Deposit : $100,000
FDIC Insured
PartnerUp
Add a checking account and services like a debit card, Cash RoundUp or many others to earn more!
PartnerUp²
Add Checking Account
Earn .10% More
PartnerUp Plus²
Add Checking Account and a Service
Earn .20% More
To learn more about PartnerUp visit or contact your nearest location
By using FDIC coverage through our services at Guaranty Bank & Trust, you can access multi-million-dollar FDIC protection through a single bank relationship.
What is a CD?
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.
What happens when my CD matures?
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.
What happens if I need to withdraw my money before the CD matures?
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.
Thanks to FDIC insurance and the IntraFi CDARS network you can trust that all of your funds are safe and secure with us.
By utilizing FDIC insurance and the IntraFI CDARS network, depositors can have peace of mind knowing that your funds are safe and secure.
The Federal Deposit Insurance Corporation (FDIC) is an independent agency of the United States government that was created in 1933 to provide deposit insurance to protect depositors. FDIC insurance is backed by the full faith and credit of the US government.
Anniversary CD Rate Specials Under $100,000
FDIC insurance coverage applies to checking accounts, savings accounts, certificates of deposit (CDs), and money market accounts.
CDARS, or the Certificate of Deposit Account Registry Service, is a network of banks that enables depositors to spread their deposits across multiple banks in order to maximize their FDIC insurance coverage.
By using the IntraFi CDARS network, deposits can be covered beyond the FDIC limits.
2 APY = Annual Percentage Yield. Fees could reduce earnings. A penalty will be imposed for early withdrawal. This is a promotional product. 9-month and 13-month terms available. Minimum deposit to open and earn the stated APY is $100,000.00 for Jumbo CDs. PartnerUp requires a Guaranty Bank & Trust checking account. PartnerUp Plus requires a Guaranty Bank & Trust checking account and 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.
Guaranty Bank & Trust is proud to serve you in 33 locations across 24 Texas communities.
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Guaranty Bank & Trust | Member FDIC
