CD Rates

We are proud to offer these Jumbo CD rates!

Best Rate!

9 Month Jumbo CD

5.00% APY¹

Min Deposit : $100,000

FDIC Insured

13 Month Jumbo CD

4.80% APY¹

Min Deposit : $100,000

FDIC Insured

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.

FDIC Insurance & the IntraFI CDARS® network.

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.

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 Jumbo APY is $100,000.00. APY is accurate as of April 1, 2024, and is subject to change without notice. This account product is not available to and does not apply to entities which are banks, credit unions, financial institutions, investments firms or other institutional investors. Contact an employee for further information about applicable fees and terms.

Guaranty Bank & Trust is proud to serve you in 34 locations across 24 Texas communities.

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Guaranty Bank & Trust | Member FDIC