First Guaranty Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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First Guaranty BankToday's 12-month CD rates can be found at 0.25%, 6-month CD rates at 4.34% and 3-month CD rates at 2.65%. Current savings rates are at 0.15% and money market rates are at 0.15%. Mortgage rates today on 30-year fixed loans are around 7.48%. Credit Card rates are at 13.50%. Personal Loan rates are at 16.25%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to First Guaranty Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from First Guaranty Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with First Guaranty Bank CD rates. You can also compare First Guaranty Bank savings rates, MMA rates and mortgage rates using our other rate lists.

First Guaranty Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at First Guaranty Bank? Share your experience about First Guaranty Bank by leaving a review below, or read customer reviews before you decide to use First Guaranty Bank.

First Guaranty Bank Texas Ratio

First Guaranty Bank's Texas Ratio is at 6.18%, which is considered excellent. The Texas Ratio for First Guaranty Bank is lower than the national average of all banks, currently at 6.24%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, First Guaranty Bank is an excellent bank worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
First Guaranty Bank
400 E Thomas St
Hammond, LA 70401
Member FDIC
MonitorBankRates' Rating
5/5
★★★★★

Compare First Guaranty Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Community Financial Services Bank (CFSB)
Community Financial Services Bank (CFSB)
7-Month CD Special
5.12%
$1,000
iGOBanking
iGOBanking
9-Month CD
5.00%
$1,000
Passumpsic Savings Bank
Passumpsic Savings Bank
Kasasa Checking
5.00%
$25
Monesty, a div of American Commerce Bank
Monesty, a div of American Commerce Bank
6-Month CD
4.91%
$500
Needham Bank
Needham Bank
6-Month CD
4.75%
$1,000
Haven Savings Bank
Haven Savings Bank
8-Month CD
4.75%
$500
Bank of Vici
Bank of Vici
6-Month CD
4.71%
$1,000
FSB of St. Charles, MO
FSB of St. Charles, MO
13-Month CD (special)
4.65%
$5,000
Mid-America Bank
Mid-America Bank
24-Month CD
4.30%
$500
Guardian Savings Bank
Guardian Savings Bank
12-Month CD
4.25%
$1,000
American Bank & Trust Co, Inc.
American Bank & Trust Co, Inc.
Personal Money Market
4.15%
$300,000
First Federal Bank Littlefield, Texas
First Federal Bank Littlefield, Texas
12-Month Super Jumbo CD
4.11%
$225,000
First American Bank and Trust
First American Bank and Trust
12-Month CD
4.05%
$1,000
Oakdale State Bank
Oakdale State Bank
15-Month CD
4.00%
$1,000
State Bank of Southern Utah
State Bank of Southern Utah
24-Month CD
4.00%
$500
La Salle State Bank
La Salle State Bank
39-Month CD (special)
3.70%
$10,000
Bank of Prague
Bank of Prague
48-Month CD
3.12%
$1,000
Commerce Bank & Trust
Commerce Bank & Trust
48-Month CD
3.04%
$500
mph.bank, a division of Liberty Savings Bank
mph.bank, a division of Liberty Savings Bank
12-Month CD via Raisin
3.00%
$1
Westbury Bank
Westbury Bank
36-Month CD
3.00%
$500
Bank 21
Bank 21
36-Month CD
3.00%
$500
Mercantile Bank
Mercantile Bank
60-Month CD
2.75%
$500
Longview Bank
Longview Bank
24-Month CD
2.75%
$500
Essex Savings Bank
Essex Savings Bank
3-Month CD
2.57%
$500
Community Bank of Wichita
Community Bank of Wichita
24-Month CD
2.55%
$500
Grand Timber Bank
Grand Timber Bank
36-Month CD
2.52%
$500
Bonanza Valley State Bank
Bonanza Valley State Bank
18-Month CD
2.51%
$500
Madison Valley Bank
Madison Valley Bank
60-Month CD
1.86%
$500
The Bank of Glen Burnie
The Bank of Glen Burnie
60-Month CD
1.76%
$500
Vio Bank
Vio Bank
Online Savings Account
1.10%
$100
West Shore Bank
West Shore Bank
3-Month CD
1.00%
$500
Mutual Security Credit Union
Mutual Security Credit Union
12-Month CD
1.00%
$500
Patriot Bank N.A.
Patriot Bank N.A.
Star Savings
1.00%
$100,000
GTE Financial Credit Union
GTE Financial Credit Union
Savings Account
0.75%
$5
First Financial Bank
First Financial Bank
Kasasa Savings
0.75%
$0
Peoples B&T Co. Ryan, OK
Peoples B&T Co. Ryan, OK
12-Month CD
0.50%
$500
The Peoples Community Bank
The Peoples Community Bank
6-Month CD
0.50%
$500
FirsTier Bank
FirsTier Bank
24-Month CD
0.50%
$0
BankGloucester
BankGloucester
6-Month CD
0.35%
$2,500
USAlliance Financial
USAlliance Financial
Platinum Money Manager
0.30%
$75,000
BankChampaign
BankChampaign
12-Month CD
0.20%
$500
First County Bank
First County Bank
12-Month CD
0.15%
$1,000
Grinnell State Bank
Grinnell State Bank
Full Service Checking
0.15%
$1,500
National Bank of Coxsackie
National Bank of Coxsackie
6-Month CD
0.10%
$500
Bath State Bank
Bath State Bank
Savings Account
0.10%
$0
First Federal Savings of Middletown
First Federal Savings of Middletown
Now Checking
0.07%
$100
WaterStone Bank
WaterStone Bank
Savings Account
0.05%
$100
Abbey Credit Union
Abbey Credit Union
Regular Share Savings
0.05%
$300
Clarion County Community Bank
Clarion County Community Bank
Community Plus Checking
0.03%
$500
The Bank of Tioga
The Bank of Tioga
Savings
0.02%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates May 26, 2024

Lender
Product
Rate
APR
Points
4.990%
5.287%
0.500
5.500%
5.614%
0.000
5.500%
5.716%
0.500
5.625%
5.777%
0.500
5.500%
5.820%
0.000
5.750%
5.834%
0.000
5.500%
5.868%
2.000
5.750%
5.883%
0.500
5.750%
5.886%
0.000
6.000%
5.892%
0.000
15-Year Fixed
5.750%
5.910%
0.000
5.870%
5.970%
0.000
15-Year Fixed Jumbo
5.875%
5.970%
0.000
5.950%
5.998%
0.000
6.000%
6.043%
0.000
15 Year Fixed
5.750%
6.046%
1.000
3/5 Conforming ARM
5.000%
6.053%
0.250
6.000%
6.056%
0.000
5.000%
6.063%
0.250
10-Year Power Rate Fixed
5.750%
6.068%
0.000
5.875%
6.079%
1.000
6.000%
6.084%
0.000
6.000%
6.084%
0.000
15-Year Power Rate Fixed
5.875%
6.101%
0.000
6.000%
6.121%
0.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have First Guaranty Bank rate data right now, check back for updates, we are adding rates all the time.

First Guaranty Bank Information

First Guaranty Bank
400 E Thomas St
Hammond, LA 70401
Tangipahoa
Established Date: 03/12/1934
FDIC Certificate #: 14028
Date of FDIC Deposit Insurance: 03/12/1934
Bank Holding Company: SMITH&HOOD HOLDING CO L L C
How Many Domestic U.S. Offices? 37
How Many Branches are There? 36
Is First Guaranty Bank FDIC Insured? Yes
What is First Guaranty Bank's Cert number? 14028
What is the maximum amount for insured deposits? $250,000 per holder, per account

First Guaranty Bank Financials

Total Assets:
$3,235,829,000
Total Deposits:
$2,864,128,000
Equity Capital:
$282,402,000
Domestic Deposits:
$2,864,128,000
Net Income:
$5,113,000
Return on Assets:
1.1703%
Quarterly Return on Assets:
0.6400%
Pretax Return on Assets:
0.8079%
Pretax Quarterly Return on Assets:
0.8100%
Return on Equity:
12.8800%
Quarterly Return on Equity:
7.1800%
Common Equity Tier 1 Capital Ratio:
10.6021%
Tier 1 Risk-Based Capital Ratio:
10.6021%
Leverage Tier 1 (Core Capital) Ratio:
9.3896%
Total Risk-Based Capital Ratio (YTD):
11.4851%
Total Interest Income (YTD):
4.6321%
 
 
Headquarters:
Hammond
FDIC Field Office:
Baton Rouge
Regulator:
FDIC
County:
Tangipahoa
# of Offices:
37
Metropolitan Statistical Area (MSA):
Hammond, LA
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Western
FDIC Region:
Dallas
Source: FDIC

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

Average mortgage rates have hit a series of record lows all year long and will continue to make new record lows in the beginning of 2013. This morning the Mortgage Bankers Association released their Weekly Application Survey which showed 15 year mortgage rates hitting another record average low of 2.86 percent for the week that ended on November 30, 2012, down from the prior week's average rate of 2.86 percent.

North American Savings Bank (NASB) now has the best savings rate available right now in the database of savings rates. NASB is currently offering savings account rates at 1.11 percent with an APY of 1.12 percent. The minimum opening savings account balance at NASB is only $100.

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