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Deposit Rates

Rates as of Wednesday 11/23/2022 03:50 PM EST
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)
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PREFERRED ACCESS CHECKINGMinimum opening deposit: $50.00 0.02%0.02%$1,500.00 Open Now
(PREFERRED ACCESS CHECKING)
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ACCESS CHECKINGMinimum opening deposit: $50.00 0.02%0.02%$50.00 Open Now
(ACCESS CHECKING)
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SIMPLE CHECKINGMinimum opening deposit: $50.00 n/an/an/a Open Now
(SIMPLE CHECKING)
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Account Interest Rate Annual Percentage Yield (APY) Minimum Daily Balance to earn APY* Open Now
HEALTH SAVINGS ACCOUNTMinimum opening deposit: $0.00
0.05%
0.75%
0.05%
0.10%
0.20%
0.05%
0.75%
0.05%
0.10%
0.20%
$5,000
$50,000
$1,000
$5,000
$15,000
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(HSA)
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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 www.gsb-yourbank.com/personal_deposit_rates for rates and tiers currently in effect.

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)
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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)
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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 Open Now
(SCHOOL SAVINGS)
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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 www.gsb-yourbank.com/personal_deposit_rates for rates and tiers currently in effect.

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 MARKET1Minimum opening deposit: $2,500.00
Prime Access Checking
Preferred Access Checking
Access Checking
0.10% 0.15% 0.20%
0.10% 0.15% 0.20%
$0.01 $50,000.00 $250,000.00
Open Now
(SMART MM)
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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)
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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: $5,000.00. Minimum Daily Balance of $2,500.00 the required amount of principal in the account each day to earn the 2.25% Annual Percentage Yield. A monthly service fee will be imposed every month that the average balance falls below $2,500.00. Money Market accounts have limited check-writing capability and a limited number of transactions per statement cycle. You may not make more than six (6) pre-authorized check, telephone or internet transfers from your account each statement period. If you exceed the number of transfers allowed on more than one occasion, your MMDA will be converted to a non-interest-bearing checking account. New & existing customers eligible, but funding may not come from a current GSB account.
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 www.gsb-yourbank.com/personal_deposit_rates for rates and tiers currently in effect.

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
17 MONTH GSB CD+3,4Minimum opening deposit: $5,000
3.69% / 3.75%
3.69% / 3.75%
3.69% / 3.75%
$5,000.00
Open Now
(CD-17 MONTH)
12 MONTH CD3,4Minimum opening deposit: $5,000
3.447% / 3.50%
3.447% / 3.50%
3.447% / 3.50%
$5,000.00
Open Now
(CD-12 MONTH)
3 MONTH CD3,4Minimum opening deposit: $5,000
0.50% / 0.50%
0.50% / 0.50%
0.50% / 0.50%
$1,000.00
Open Now
(CD-3 MONTH)
19 MONTH SMART CD1,3
3.20% / 3.25%
2.96% / 3.00%
n/a
$5,000.00
Open Now
(CD-19 MONTH)
19 MONTH SMART IRA CD1,3
3.20% / 3.25%
2.96% / 3.00%
n/a
$5,000.00
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9 MONTH SMART CD1, 3
2.62% / 2.65%
2.37% / 2.40%
n/a
$5,000.00
Open Now
(CD-9 MONTH)
5 MONTH SMART CD1,3
2.37% / 2.40%
2.13% / 2.15%
n/a
$5,000.00
Open Now
(CD-5 MONTH)
18 MONTH CD2
.35% / .35%
.15% / .15%
.05% / .05%
$1,000.00
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9 MONTH CD2
.20% / .20%
.05% / .05%
.05% / .05%
$1,000.00
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6 MONTH CD2
.10% / .10%
.05% / .05%
.05% / .05%
$1,000.00
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3 MONTH CD2
.10% / .10%
.05% / .05%
.05% / .05%
$1,000.00
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5 YEAR CD2 OR IRA CD2
1.00% / 1.00%
.30% / .30%
.20% / .20%
$1,000.00
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4 YEAR CD2 OR IRA CD2
.85% / .85%
.25% / .25%
.15% / .15%
$1,000.00
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3 YEAR CD2 OR IRA CD2
.75% / .75%
.20% / .20%
.10% / .10%
$1,000.00
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2 YEAR CD2 OR IRA CD2
.50% / .50%
.15% / .15%
.05% / .05%
$1,000.00
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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. 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 www.gsb-yourbank.com/personal_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.

Guilford Savings Bank, Member FDIC

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