Bank · FDIC insured
Guaranty Bank CD Rates
Guaranty Bank’s best CD rate is 4.49% APY on a 10-month CD. Terms run from 3 months to 6 years. Rates checked October 16, 2026.
How Guaranty Bank’s CD rates compare
Compared with banks and credit unions near Springfield, MO, where Guaranty Bank has the most branches. $10,000, best rate first.
This bank’s best
Guaranty Bank
4.49%APY
- Term
- 10 months
- Minimum
- $500
- Earns on $10,000
- $373
Certificates of Deposit
Top rate
OMB Bank
4.65%APY
- Term
- 21 months
- Minimum
- $1,000
- Earns on $10,000
- $828
3rd-highest rate
Academy Bank
4.40%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $667
Guaranty Bank CD score
88
CD score
Higher than 83% of U.S. banks and credit unions
- 3–8 months3–8 mo4.24%
- 9–15 months9–15 mo4.49%
- 16–30 months16–30 mo0.60%
- 31–60 months31–60 mo0.60%
- QualifiedQualified4.49%
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 Guaranty Bank ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
Up to 4.49%APY · 12 terms
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 3 months | 4.24% | $104 |
| 6 months | 2.78% | $138 |
| 7 months | 2.75% | $160 |
| 10 months | 4.49% | $373 |
| 12 months | 2.45% | $245 |
| 15 months | 3.55% | $446 |
| 18 months | 0.60% | $90 |
| 24 months | 0.60% | $120 |
| 36 months | 0.60% | $181 |
| 48 months | 0.60% | $242 |
| 60 months | 0.60% | $304 |
| 72 months | 0.60% | $365 |
Sources (1)
- gbankmo.com/bank/retail-banking-solutions · captured Oct 16, 2026
Special-purpose accounts
Individual Retirement Account (IRA)
Up to 2.75%APY · 7 terms
Traditional and Roth IRA options with funds used to purchase CDs within IRA. Annual contribution limits apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months | 2.75% | $275 |
| 18 months | 0.80% | $120 |
| 24 months | 0.80% | $161 |
| 36 months | 0.80% | $242 |
| 48 months | 0.80% | $324 |
| 60 months | 0.80% | $406 |
| 72 months | 0.80% | $490 |
Sources (1)
- gbankmo.com/bank/retail-banking-solutions · captured Oct 16, 2026
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.