DEPOSIT RATES

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Our deposit accounts offer competitive interest rates, with preferred rates for our Preferred Access and Access account holders. Check back frequently for current rates and specials.

Deposit Rates – Schedule of Interest

Rates as of Sunday 07/15/2018 9:13 PM EST

Checking
Savings
Money Market
CDs

PERSONAL CHECKING ACCOUNTS

ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)	MINIMUM DAILY BALANCE TO EARN APY*	OPEN NOW
Add to Favorites PRIME ACCESS CHECKING Minimum opening deposit: $50.00	0.30%	0.30%	$2,500.00	Open Now Learn More
Add to Favorites PREFERRED ACCESS CHECKING Minimum opening deposit: $50.00	0.05%	0.05%	$1,500.00	Open Now Learn More
Add to Favorites ACCESS CHECKING Minimum opening deposit: $50.00	0.05%	0.05%	$50.00	Open Now Learn More
Add to Favorites STARTER CHECKING Minimum opening deposit: $50.00	n/a	n/a	n/a	Open Now Learn More
Add to Favorites SIMPLY FREE CHECKING Minimum opening deposit: $50.00	n/a	n/a	n/a	Open Now Learn More
Add to Favorites HEALTH SAVINGS ACCOUNT Minimum opening deposit: $0.00	0.05% 0.50% 0.75%	0.05% 0.50% 0.75%	$1,000.00 $5,000.00 $15,000.00	Learn More
Add to Favorites HEALTH SAVINGS ACCOUNT PRIME ACCESS¹ Minimum opening deposit: $5,000.00	1.49% 2.47%	1.50% 2.50%	$5,000.00 $50,000.00	Learn More

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
Add to Favorites SMART SAVINGS¹ Minimum opening deposit: $50.00	Prime Access Checking Preferred Access Checking Access Checking	0.25% 0.10% 0.05%	0.25% 0.10% 0.05%	$50.00 $50.00 $50.00	Open Now Learn More

ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)	MINIMUM DAILY BALANCE TO EARN APY*	OPEN NOW
Add to Favorites E-SAVINGS Minimum opening deposit: $50.00	0.02%	0.02%	$50.00	Open Now Learn More
Add to Favorites IRA STATEMENT SAVINGS Minimum opening deposit: $50.00	0.02%	0.02%	$50.00	Open Now Learn More
Add to Favorites SCHOOL SAVINGS Minimum opening deposit: $5.00	0.02%	0.02%	$0.01	Open Now Learn More

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
Add to Favorites SMART MONEY MARKET¹ Minimum opening deposit: $2,500.00	Prime Access Checking	0.25% 0.60% 0.80%	0.25% 0.60% 0.80%	$0.01 $50,000.00 $250,000.00	Open Now Open Now
	Preferred Access Checking	0.10% 0.20% 0.40%	0.10% 0.20% 0.40%	$0.01 $50,000.00 $250,000.00
	Access Checking	0.05% 0.15% 0.30%	0.05% 0.15% 0.30%	$0.01 $50,000.00 $250,000.00
ACCOUNT	INTEREST RATE	ANNUAL PERCENTAGE YIELD (APY)	MINIMUM DAILY BALANCE TO EARN APY*	OPEN NOW
Add to Favorites MUTUAL INTEREST MONEY MARKET Minimum 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 Learn More

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 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 ACCOUNT ¹	INTEREST RATE/APY WITH PREFERRED ACCESS OR ACCESS CHECKING ACCOUNT ¹	INTEREST RATE/ ANNUAL PERCENTAGE YIELD (APY)	MINIMUM DAILY BALANCE TO EARN APY*	OPEN NOW
16 MONTH SMART CD^{1, 3}	1.74%/1.75%	1.39%/1.40%	n/a	$5,000.00	Open Now
16 MONTH IRA CD^{1, 3}	1.74%/1.75%	1.39%/1.40%	n/a	$5,000.00	Learn More
30 MONTH SMART CD^{1, 3}	2.23% / 2.25%	1.98% / 2.00%	n/a	$5,000.00	Open Now
30 MONTH IRA CD^{1, 3}	2.23% / 2.25%	1.98% / 2.00%	n/a	$5,000.00	Learn More
60 MONTH SMART CD^{1, 3}	2.96% /3.00%	2.72% /2.75%	n/a	$5,000.00	Open Now
60 MONTH IRA CD^{1, 3}	2.96% /3.00%	2.72% /2.75%	n/a	$5,000.00	Learn More
3 MONTH CD²	.15% / .15%	.05% / .05%	.05% / .05%	$1,000.00	Learn More
6 MONTH CD²	.15% / .15%	.05% / .05%	.05% / .05%	$1,000.00	Learn More
9 MONTH CD²	.20% / .20%	.05% / .05%	.05% / .05%	$1,000.00	Learn More
1 YEAR CD² OR IRA CD²	.25% / .25%	.10% / .10%	.05% / .05%	$1,000.00	Learn More
18 MONTH CD²	.35% / .35%	.15% / .15%	.05% / .05%	$1,000.00	Learn More
2 YEAR CD^{2 OR IRA CD²}	.50% / .50%	.15% / .15%	.05% / .05%	$1,000.00	Learn More
3 YEAR CD^{2 OR IRA CD²}	.75% / .75%	.20% / .20%	.10% / .10%	$1,000.00	Learn More
4 YEAR CD^{2 OR IRA CD²}	.85% / .85%	.25% / .25%	.15% / .15%	$1,000.00	Learn More
5 YEAR CD^{2 OR IRA CD²}	1.00% / 1.00%	.30% / .30%	.20% / .20%	$1,000.00	Learn More

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.

2. The minimum amount to open the account is $1,000.00.

3. The minimum amount to open the account is $5,000.00.

Guilford Savings Bank, Member FDIC

DEPOSIT RATES

Deposit Rates – Schedule of Interest

PRIME ACCESS CHECKING

PREFERRED ACCESS CHECKING

ACCESS CHECKING

STARTER CHECKING

SIMPLY FREE CHECKING

HEALTH SAVINGS ACCOUNT

HEALTH SAVINGS ACCOUNTPRIME ACCESS1

SMART SAVINGS1

E-SAVINGS

IRA STATEMENT SAVINGS

SCHOOL SAVINGS

SMART MONEY MARKET1

MUTUAL INTEREST MONEY MARKET

16 MONTH SMART CD1, 3

16 MONTH IRA CD1, 3

30 MONTH SMART CD1, 3

30 MONTH IRA CD1, 3

60 MONTH SMART CD1, 3

60 MONTH IRA CD1, 3

3 MONTH CD2

6 MONTH CD2

9 MONTH CD2

1 YEAR CD2 OR IRA CD2

18 MONTH CD2

2 YEAR CD2 OR IRA CD2

3 YEAR CD2 OR IRA CD2

4 YEAR CD2 OR IRA CD2

5 YEAR CD2 OR IRA CD2

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HEALTH SAVINGS ACCOUNT
PRIME ACCESS¹

SMART SAVINGS¹

SMART MONEY MARKET¹

16 MONTH SMART CD^{1, 3}

16 MONTH IRA CD^{1, 3}

30 MONTH SMART CD^{1, 3}

30 MONTH IRA CD^{1, 3}

60 MONTH SMART CD^{1, 3}

60 MONTH IRA CD^{1, 3}

3 MONTH CD²

6 MONTH CD²

9 MONTH CD²

1 YEAR CD² OR IRA CD²

18 MONTH CD²

2 YEAR CD^{2 OR IRA CD²}

3 YEAR CD^{2 OR IRA CD²}

4 YEAR CD^{2 OR IRA CD²}

5 YEAR CD^{2 OR IRA CD²}