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Connecticut Deposit Rates

Deposit Rates

Rates as of 11/08/2024
PERSONAL CHECKING ACCOUNTS
ACCOUNT INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) MINIMUM DAILY BALANCE TO EARN APY* OPEN NOW
PRIME ACCESS CHECKINGMinimum opening deposit: $50.00 0.05% 0.05% $2,500.00 Open Now
(PRIME ACCESS CHECKING) Learn More
PREFERRED ACCESS CHECKINGMinimum opening deposit: $50.00 0.02% 0.02% $1,500.00 Open Now
(PREFERRED ACCESS CHECKING) Learn More
ACCESS CHECKINGMinimum opening deposit: $50.00 0.02% 0.02% $50.00 Open Now
(ACCESS CHECKING) Learn More
SIMPLE CHECKINGMinimum opening deposit: $50.00 n/a n/a n/a Open Now
(SIMPLE CHECKING) Learn More
Account Relationship Interest Rate Annual Percentage Yield (APY) Minimum Daily Balance to earn APY* Open Now
HEALTH SAVINGS ACCOUNTMinimum opening deposit: $0.00
Prime Access Checking1
None
0.50%1
0.75%1
0.05%
0.10%
0.20%
0.50%1
0.75%1
0.05%
0.10%
0.20%
$5,000
$50,000
$1,000
$5,000
$15,000
Learn More
(HSA)
View Disclosures

Rates are subject to change after the account is opened and are determined at the Bank’s discretion. Fees may reduce earnings.

*Daily Balance is the amount of principal in the account each day. Closing fee and other charges may apply.

1. The interest rate on this account is based on your related Prime Access checking account. If you close your related Prime Access checking account you will receive the Health Savings Account rate, which is variable. Please visit a branch, call us at (203) 453-2721 or refer to https://mygsb.bank/personal/bank/deposit-rates/ for rates and tiers currently in effect.

The Guilford Savings Bank, Member FDIC

PERSONAL SAVINGS ACCOUNTS
ACCOUNT RELATIONSHIP INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) MINIMUM DAILY BALANCE TO EARN APY* OPEN NOW
SMART SAVINGS1 Minimum opening deposit: $50.00
Prime Access Checking
Preferred Access Checking
Access Checking
0.10%
0.05%
0.02%
0.10%
0.05%
0.02%
$50.00
$50.00
$50.00
Open Now
(SMART SAVINGS) Learn More
ACCOUNT INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) MINIMUM DAILY BALANCE TO EARN APY* OPEN NOW
E-SAVINGSMinimum opening deposit: $50.00 0.02% 0.02% $50.00 Open Now
(E-SAVINGS) Learn More
IRA STATEMENT SAVINGSMinimum opening deposit: $50.00 0.02% 0.02% $50.00 Learn More
SCHOOL SAVINGSMinimum opening deposit: $5.00 0.02% 0.02% $0.01 Contact Us
(SCHOOL SAVINGS) Learn More
View Disclosures

Rates are subject to change after the account is opened and are determined at the Bank’s discretion. Fees may reduce earnings.

*Daily Balance is the amount of principal in the account each day. Closing fee and other charges may apply.

1. The interest rate on this account is based on your related Access, Preferred Access, or Prime Access checking account. If you close your related Access, Preferred Access, or Prime Access checking account you will receive the E-Savings rate, which is variable. Please visit a branch, call us at (203) 453-2721 or refer to https://mygsb.bank/personal/bank/deposit-rates/ for rates and tiers currently in effect.

The Guilford Savings Bank, Member FDIC

PERSONAL MONEY MARKET ACCOUNTS
ACCOUNT RELATIONSHIP INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) MINIMUM DAILY BALANCE TO EARN APY* OPEN NOW
SMART MONEY MARKET1, 2Minimum opening deposit: $2,500.00
Prime Access Checking
Prime Access Checking
Prime Access Checking
1.00% 0.80% 0.60%
1.00% 0.80% 0.60%
$250,000.00 $50,000.00 $0.01
Open Now
(SMART MM) Learn More
SMART MONEY MARKET1, 2Minimum opening deposit: $2,500.00
Preferred Access Checking
Preferred Access Checking
Preferred Access Checking
0.70% 0.50% 0.30%
0.70% 0.50% 0.30%
$250,000.00 $50,000.00 $0.01
Open Now
(SMART MM) Learn More
SMART MONEY MARKET1, 2Minimum opening deposit: $2,500.00
Access Checking
Access Checking
Access Checking
0.50% 0.30% 0.10%
0.50% 0.30% 0.10%
$250,000.00 $50,000.00 $0.01
Open Now
(SMART MM) Learn More
ACCOUNT INTEREST RATE ANNUAL PERCENTAGE YIELD (APY) MINIMUM DAILY BALANCE TO EARN APY* OPEN NOW
MUTUAL INTEREST MONEY MARKETMinimum opening deposit: $2,500.00
0.02%
0.02%
0.02%
0.02%
0.02%
0.02%
0.02%
0.02%
0.02%
0.02%
$50.00
$2,500.00
$10,000.00
$25,000.00
$50,000.00
Open Now
(MUTUAL INTEREST MM) Learn More
View Disclosures

Rates are subject to change after the account is opened and are determined at the Bank’s discretion. Fees may reduce earnings.

*Daily Balance is the amount of principal in the account each day. Closing fee and other charges may apply.

1. Minimum opening deposit: $2,500.00. Minimum Daily Balance of $2,500.00 the required amount of principal in the account each day to earn the Annual Percentage Yield. A monthly service fee will be imposed every month that the average balance falls below $2,500.00.
2. The interest rate on this account is based on your related Access, Preferred Access, or Prime Access checking account. If you close your related Access, Preferred Access, or Prime Access checking account you will receive the Mutual Interest Money Market rate, which is variable. Please visit a branch, call us at (203) 453-2721 or refer to https://mygsb.bank/personal/bank/deposit-rates/ for rates and tiers currently in effect.

The Guilford Savings Bank, Member FDIC

CD ACCOUNTS
ACCOUNT INTEREST RATE/APY WITH PRIME ACCESS CHECKING ACCOUNT1 INTEREST RATE/APY WITH PREFERRED ACCESS OR ACCESS CHECKING ACCOUNT1 INTEREST RATE/ ANNUAL PERCENTAGE YIELD (APY) MINIMUM DAILY BALANCE TO EARN APY* OPEN NOW
24 MONTH SMART CD1, 3
Open with Prime, Preferred, or Access Checking
2.96% / 3.00%
Preferred: 2.47% / 2.50%
Access: 2.47% / 2.50%
n/a
$5,000.00
Explore CDs
(24 MONTH SMART)
24 MONTH SMART IRA CD1, 3
2.96% / 3.00%
2.47% / 2.50%
n/a
$5,000.00
Learn More
(SMART IRA-24 MONTH)
17 MONTH SMART CD+1, 3
Open with Prime, Preferred, or Access Checking
3.15% / 3.20%
Preferred: 2.67% / 2.70%
Access: 2.67% / 2.70%
n/a
$5,000.00
Explore CDs
(17 MONTH SMART)
17 MONTH SMART IRA CD+1, 3
3.15% / 3.20%
2.67% / 2.70%
n/a
$5,000.00
Learn More
(SMART IRA-17 MONTH)
12 MONTH SMART CD1, 3
Open with Prime, Preferred, or Access Checking
3.49% / 3.55%
Preferred: 3.01% /3.05%
Access: 3.01% /3.05%
n/a
$5,000.00
Explore CDs
(12 MONTH SMART)
12 MONTH SMART IRA CD1, 3
3.49% / 3.55%
3.01% /3.05%
n/a
$5,000.00
Learn More
(SMART IRA-12 MONTH)
9 MONTH SMART CD1, 3
Open with Prime, Preferred, or Access Checking
3.78% / 3.85%
Preferred: 3.30% / 3.35%
Access: 3.30% / 3.35%
n/a
$5,000.00
Explore CDs
(9 MONTH SMART)
9 MONTH SMART IRA CD1, 3
3.78% / 3.85%
3.30% / 3.35%
n/a
$5,000.00
Learn More
(SMART IRA-9 MONTH)
5 MONTH SMART CD1,3
Open with Prime, Preferred, or Access Checking
4.07% / 4.15%
Preferred: 3.59% / 3.65%
Access: 3.59% / 3.65%
n/a
$5,000.00
Explore CDs
(5 MONTH SMART)
18 MONTH CD2
.35% / .35%
.15% / .15%
.05% / .05%
$1,000.00
Learn More
9 MONTH CD2 OR IRA CD2
.20% / .20%
.05% / .05%
.05% / .05%
$1,000.00
Learn More
6 MONTH CD2
.10% / .10%
.05% / .05%
.05% / .05%
$1,000.00
Learn More
3 MONTH CD2
.10% / .10%
.05% / .05%
.05% / .05%
$1,000.00
Learn More
5 YEAR CD2 OR IRA CD2
1.00% / 1.00%
.30% / .30%
.20% / .20%
$1,000.00
Learn More
4 YEAR CD2 OR IRA CD2
.85% / .85%
.25% / .25%
.15% / .15%
$1,000.00
Learn More
3 YEAR CD2 OR IRA CD2
.75% / .75%
.20% / .20%
.10% / .10%
$1,000.00
Learn More
2 YEAR CD2 OR IRA CD2
.50% / .50%
.15% / .15%
.05% / .05%
$1,000.00
Learn More
1 YEAR CD2 OR IRA CD2
.25% / .25%
.10% / .10%
.05% / .05%
$1,000.00
Learn More
View Disclosures

Fees may reduce earnings. A penalty for early withdrawal may apply.
*Daily Balance is the amount of principal in the account each day. Closing fee and other charges may apply.
1. Checking relationship required. The interest rate on this account is based on your related Access, Preferred Access, or Prime Access checking account. Please visit a branch, call us at (203) 453-2721 or refer to https://mygsb.bank/personal/bank/deposit-rates/ for rates and tiers currently in effect
2. The minimum amount to open the account is $1,000.00.
3. The minimum amount to open the account is $5,000.00.
4. New and existing customers eligible, but funding may not come from a current GSB account.

The Guilford Savings Bank, Member FDIC

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