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Comparison of Deposit Account from Guaranty Bank and Trust Company with 0.04% - October 2026


Long-Term Analysis of Guaranty Bank and Trust Company with 0.02% APY and Guaranty Bank and Trust Company with 0.04% APY

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis.

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$
PRODUCT
BANK
APY
STATE
AMOUNT
TERM
BANK TYPE
VS.NAT.AV.
MIN
  • 1
    LOCAL MONEY MARKET
    Guaranty Bank and Trust Company
    0.02%
    -
    $50,000
    N.A.
    Bank
    N.A.
    $10,000
     
    SCENARIO
    Year Rate
    0.02%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 10 7
    2 50,010 10 7
    3 50,020 10 7
    4 50,030 10 7
    5 50,040 10 7
    6 50,050 10 7
    7 50,060 10 7
    8 50,070 10 7
    9 50,080 10 7
    10 50,090 10 7
    11 50,100 10 7
    12 50,110 10 7
    13 50,120 10 7
    14 50,130 10 7
    15 50,140 10 7
    16 50,150 10 7
    17 50,160 10 7
    18 50,170 10 7
    19 50,180 10 7
    20 50,190 10 7
    TOTAL $200 $140
  • 2
    LOCAL SAVINGS
    Guaranty Bank and Trust Company
    0.04%
    -
    $50,000
    N.A.
    Bank
    0.15x (National Avg. - 0.23%)
    $2,500
     
    SCENARIO
    Year Rate
    0.04%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 18 12
    2 50,018 18 12
    3 50,035 18 12
    4 50,053 18 12
    5 50,070 18 12
    6 50,088 18 12
    7 50,105 18 12
    8 50,123 18 12
    9 50,140 18 12
    10 50,158 18 12
    11 50,175 18 12
    12 50,193 18 12
    13 50,210 18 12
    14 50,228 18 12
    15 50,246 18 12
    16 50,263 18 12
    17 50,281 18 12
    18 50,298 18 12
    19 50,316 18 12
    20 50,334 18 12
    TOTAL $351 $246

    All calculations are for demonstration purposes only.

    Featured CD Rates

    ONLINE BANKS APY? MIN?

    Last change: ↑0.05% on October 8.
    Early Withdrawal Penalty is 730 days interest.

    Last change: ↑0.10% on October 8.
    Early Withdrawal Penalty is 365 days interest.

    Last change: ↑0.81% on April 27.

    Last change: ↑0.80% on April 27.
    Early Withdrawal Penalty is 90 days interest.

    Last change: ↑0.78% on April 27.
    Early Withdrawal Penalty is 90 days interest.

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