Bank · FDIC insured
Guaranty Bank Savings Rates
Guaranty Bank’s best savings rate is 0.10% APY on $10,000, with its Money Market. Rates checked October 16, 2026.
How Guaranty Bank’s savings 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
0.10%APY
- Minimum
- $50
- Earns on $10,000 a year
- $10
Money Market
Top rate
Metro Credit Union
5.09%APY
- Minimum
- —
- Earns on $10,000 a year
- $509
2nd-highest rate
UMB Bank
3.71%APY
- Minimum
- —
- Earns on $10,000 a year
- $371
Guaranty Bank savings score
65
Savings score
Higher than 15% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0000.10%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.10%
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 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.
Money Market
0.10%APY
Minimum daily balance of $1,000 required to earn interest. Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 – $10,000Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. | 0.10% | — | Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. |
| $10,000 – $25,000Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. | 0.10% | $10 | Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. |
| $25,000 – $50,000Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. | 0.10% | — | Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. |
| $50,000 – $100,000Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. | 0.15% | — | Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. |
| $100,000 – $500,000Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. | 0.30% | — | Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. |
| $500,000 and upAvoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. | 0.50% | — | Avoid $10 monthly service charge by maintaining a $1,000 minimum daily balance. Rate may change after account opening. |
Sources (1)
- gbankmo.com/bank/retail-banking-solutions · captured Sep 17, 2026
Personal Savings Account
0.10%APY
Avoid $7 quarterly service charge by maintaining a $100 minimum daily balance. Valid email address required for eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate accurate as of August 11, 2025; not an introductory rate; rate may change after account opening. Avoid $7 quarterly service charge with $100 minimum daily balance. Valid email address required for eStatements. Fees may reduce earnings.Over $0 | 0.10% | $10 | Rate accurate as of August 11, 2025; not an introductory rate; rate may change after account opening. Avoid $7 quarterly service charge with $100 minimum daily balance. Valid email address required for eStatements. Fees may reduce earnings. |
Sources (1)
- gbankmo.com/bank/retail-banking-solutions · captured Sep 17, 2026
Special-purpose accounts
Health Savings Account (HSA)
0.50%APY
Must be enrolled in a High Deductible Health Plan (HDHP) to be eligible. No setup cost or annual charges. Free initial Visa HSA debit card. Tax-free withdrawals for qualified medical expenses.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $10,000Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. | 0.50% | — | Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. |
| $10,000 – $25,000Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. | 0.50% | $50 | Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. |
| $25,000 – $50,000Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. | 0.50% | — | Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. |
| $50,000 – $100,000Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. | 0.50% | — | Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. |
| $100,000 and upAnnual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. | 0.50% | — | Annual Percentage Yield (APY) accurate as of October 29, 2025, and is not an introductory rate. Rate may change after account opening. Fees may reduce earnings. Must have HDHP coverage. |
Sources (2)
All captured Sep 17, 2026
Christmas Club
0.10%APY
No monthly service charge. Make small deposits as frequently as you like; minimum deposit amount $5. Penalty for early withdrawal: any early withdrawal prior to October 31 will result in closure of the account and loss of all accrued interest. Funds disbursed October 31 via direct deposit or check. Valid email address required for eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate accurate as of August 11, 2025; not an introductory rate; rate may change after account opening. Funds disbursed October 31 via direct deposit or check. Any early withdrawal prior to October 31 will result in closure of the account and loss of all accrued interest. Valid email address required for eStatements. Fees may reduce earnings.Over $0 | 0.10% | $10 | Rate accurate as of August 11, 2025; not an introductory rate; rate may change after account opening. Funds disbursed October 31 via direct deposit or check. Any early withdrawal prior to October 31 will result in closure of the account and loss of all accrued interest. Valid email address required for eStatements. Fees may reduce earnings. |
Sources (1)
- gbankmo.com/bank/retail-banking-solutions · captured Sep 17, 2026
Minor Savings
0.10%APY
Available to teens and kids, ages 18 and under. Balance can be rolled into another Guaranty savings account or CD. No minimum balance requirements. No monthly service charge. Valid email address required for eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Available to teens and kids, ages 18 and under. Rate accurate as of August 11, 2025; not an introductory rate; rate may change after account opening. Valid email address required for eStatements. Fees may reduce earnings.Over $0 | 0.10% | $10 | Available to teens and kids, ages 18 and under. Rate accurate as of August 11, 2025; not an introductory rate; rate may change after account opening. Valid email address required for eStatements. Fees may reduce earnings. |
Sources (1)
- gbankmo.com/bank/retail-banking-solutions · captured Sep 17, 2026
Vacation Club
0.10%APY
No monthly service charge. Make small deposits as frequently as you like; minimum deposit amount $5. Penalty for early withdrawal: any early withdrawal prior to May 15 will result in closure of the account and loss of all accrued interest. Funds disbursed May 15 via direct deposit or check. Valid email address required for eStatements.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Over $0Rate accurate as of August 11, 2025; not an introductory rate; rate may change after account opening. Funds disbursed May 15 via direct deposit or check. Any early withdrawal prior to May 15 will result in closure of the account and loss of all accrued interest. Valid email address required for eStatements. Fees may reduce earnings.Over $0 | 0.10% | $10 | Rate accurate as of August 11, 2025; not an introductory rate; rate may change after account opening. Funds disbursed May 15 via direct deposit or check. Any early withdrawal prior to May 15 will result in closure of the account and loss of all accrued interest. Valid email address required for eStatements. Fees may reduce earnings. |
Sources (1)
- gbankmo.com/bank/retail-banking-solutions · captured Sep 17, 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.