Bank · FDIC insured
First Guaranty Bank Savings Rates
First Guaranty Bank’s best savings rate is 0.05% APY on $10,000, with its Guaranty Money Market. Rates checked October 16, 2026.
How First Guaranty Bank’s savings rates compare
Compared with banks and credit unions near Hammond, LA, where First Guaranty Bank has the most branches. $10,000, best rate first.
This bank’s best
First Guaranty Bank
0.05%APY
- Requires
- None
- Minimum
- $100
- Earns on $10,000 a year
- $5
Regular Savings
Top rate
Baton Rouge Telco FCU
3.85%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $385
2nd-highest rate
Alive Credit Union
1.05%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $105
First Guaranty Bank savings score
63
Savings score
Higher than 8% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.05%
- $100,000 balance$100,0002.02%
- QualifiedQualified0.05%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where First Guaranty Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Savings Elite
0.05%APY
Interest compounded daily and credited quarterly. Rates are subject to change at any time.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $25,000Applies to daily balances below $25,000.00. | 0.05% | $5 | Applies to daily balances below $25,000.00. |
| $25,000 and upMust maintain a balance of $25,000.00 daily to obtain the 2.02% APY. | 2.02% | — | Must maintain a balance of $25,000.00 daily to obtain the 2.02% APY. |
Guaranty Money Market
0.05%APY
Waive the $15 monthly service charge by keeping a collected balance of $1,500 in the account each day throughout the statement cycle. Minimum average daily balance of $1,500 to obtain the disclosed annual percentage rate.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Balances less than $1,500 | 0.00% | — | Balances less than $1,500 |
| $1,500 – $99,999Balances $1,500 – $99,999 | 0.05% | $5 | Balances $1,500 – $99,999 |
| $100,000 – $999,999Balances $100,000 – $999,999 | 0.15% | — | Balances $100,000 – $999,999 |
| $1,000,000 and upBalances greater than $1,000,000 | 0.35% | — | Balances greater than $1,000,000 |
Special-purpose accounts
Health Savings Account
0.07%APY
Must be paired with a high-deductible health plan (HDHP). Funds are for qualified medical expenses. The interest rate and APY may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,500Applies to balances less than $1,500. | 0.05% | — | Applies to balances less than $1,500. |
| $1,500 – $99,999Applies to balances $1,500 – $99,999. | 0.07% | $7 | Applies to balances $1,500 – $99,999. |
| $100,000 – $999,999Applies to balances $100,000 – $999,999. | 0.12% | — | Applies to balances $100,000 – $999,999. |
| $1,000,000 and upApplies to balances greater than $1,000,000. | 0.30% | — | Applies to balances greater than $1,000,000. |
Christmas Club Savings
0.05%APY
Must deposit at least $5 per month via automatic funds transfer from another FGB account. Disbursements made into FGB account on the third Tuesday in October. Interest credited annually. Rates may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRequires at least $5 per month deposit via automatic funds transfer from another FGB account.Any balance | 0.05% | $5 | Requires at least $5 per month deposit via automatic funds transfer from another FGB account. |
Regular Savings
0.05%APY
Up to 3 complimentary withdrawals per month; $2 withdrawal fee per transaction over three complimentary each month. $100 minimum deposit to open ($25 for minors). Monthly service charge of $3 waived if daily balance of $200 or more is maintained. Rates may change after account opening.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceOpening minimum is $25 for minors. $3 monthly fee waived with $200 minimum daily balance.Any balance | 0.05% | $5 | Opening minimum is $25 for minors. $3 monthly fee waived with $200 minimum daily balance. |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.