Guardian Savings Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Guardian Savings BankToday's 12-month CD rates can be found at 4.20%, 6-month CD rates at 4.40% and 3-month CD rates at 2.25%. Current savings rates are at 0.05% and money market rates are at 0.15%. Mortgage rates today on 30-year fixed loans are around 6.42%. Credit Card rates are at 19.74%. Personal Loan rates are at 11.00%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Guardian Savings Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Guardian Savings 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 Guardian Savings Bank CD rates. You can also compare Guardian Savings Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Guardian Savings 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 Guardian Savings Bank? Share your experience about Guardian Savings Bank by leaving a review below, or read customer reviews before you decide to use Guardian Savings Bank.

Guardian Savings Bank Texas Ratio

Guardian Savings Bank's Texas Ratio is at 0.86%, which is considered excellent. The Texas Ratio for Guardian Savings Bank is lower than the national average of all banks, currently at 6.13%. 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, Guardian Savings Bank is an excellent bank worth considering, with an overall rating of 4 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
Guardian Savings Bank
3800 Nameoki Rd
Granite City, IL 62040
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Compare Guardian Savings Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Marion County State Bank
Marion County State Bank
12-Month CD
3.75%
$1,000
Pentucket Bank
Pentucket Bank
24-Month CD
3.75%
$500
FirstBank of Nebraska
FirstBank of Nebraska
24-Month CD
3.60%
$1,000
Gunnison S&L
Gunnison S&L
30-Month CD
3.56%
$500
Union Bank Morrisville, VT
Union Bank Morrisville, VT
36-Month CD
3.56%
$500
Bank Midwest
Bank Midwest
24-Month CD
3.55%
$500
Citizens Independent Bank
Citizens Independent Bank
15-Month CD
3.50%
$10,000
Access Bank
Access Bank
12-Month CD
3.50%
$1,000
United Valley Bank
United Valley Bank
12-Month CD
3.25%
$500
Ultima Bank Minnesota
Ultima Bank Minnesota
36-Month CD (Bump-Up)
3.20%
$1,000
Raritan State Bank
Raritan State Bank
12-Month CD
3.15%
$1,000
First Federal Bank of Kansas City
First Federal Bank of Kansas City
48-Month CD
3.10%
$1,000
Friendship State Bank
24-Month CD
3.10%
$500
Citizens State Bank Somerville, TX
Citizens State Bank Somerville, TX
18-Month CD
3.03%
$1,000
Citizens-Farmers Bank of Cole Camp
Citizens-Farmers Bank of Cole Camp
24-Month CD
3.02%
$1,000
Brentwood Bank
Brentwood Bank
60-Month CD
3.00%
$2,000
Patriot Bank N.A.
Patriot Bank N.A.
18-Month CD
3.00%
$500
TD Bank
TD Bank
36-Month CD
2.75%
$250
Bank of Kampsville
Bank of Kampsville
6-Month CD
2.52%
$2,500
Mechanics Cooperative Bank
Mechanics Cooperative Bank
36-Month CD
2.50%
$500
Phelps County Bank
Phelps County Bank
Ultimate Checking
2.02%
$50
BayFirst National Bank
BayFirst National Bank
12-Month CD
2.01%
$1,000
Credit Human Federal Credit Union
Credit Human Federal Credit Union
Money Market
2.00%
$1,000
New Market Bank
New Market Bank
3-Month CD
1.91%
$2,500
Bank 21
Bank 21
Money Market
1.75%
$1,000
Northwest B&T Co.
Northwest B&T Co.
12-Month CD
1.75%
$1,000
1st Ed Credit Union
1st Ed Credit Union
36-Month CD
1.70%
$500
First National Bank of Bemidji
First National Bank of Bemidji
First Insured Money Market
1.51%
$1,000
First Arkansas Bank and Trust
First Arkansas Bank and Trust
Prime Savings
1.25%
$100
F&M Bank of Hutsonville
F&M Bank of Hutsonville
Platinum Money Market
0.75%
$1,500
First National Bank in Trinidad
First National Bank in Trinidad
24-Month CD
0.70%
$1,000
Rondout Savings Bank
Rondout Savings Bank
24-Month CD
0.50%
$500
First Federal S&L of Lakewood
First Federal S&L of Lakewood
36-Month CD
0.40%
$500
Adirondack Trust Company
Adirondack Trust Company
36-Month CD
0.35%
$500
State Bank of Chilton
State Bank of Chilton
Money Market
0.25%
$0
Trinity Bank, N.A.
Trinity Bank, N.A.
Checking
0.25%
$100
Washington Financial Bank
Washington Financial Bank
24-Month CD
0.25%
$500
F&M Bank & Trust Burlington, IA
F&M Bank & Trust Burlington, IA
12-Month CD
0.21%
$500
Heartland State Bank Edgeley, ND
Heartland State Bank Edgeley, ND
Statement Savings
0.20%
$25
Hoyne Savings Bank
Hoyne Savings Bank
Passbook Savings
0.18%
$250
Harleysville Bank
Harleysville Bank
Money Market Plus
0.10%
$10,000
Genoa Banking Company
Statement Savings
0.10%
$200
Sturdy Savings Bank
Sturdy Savings Bank
48-Month CD
0.08%
$500
Connecticut Community Bank
Connecticut Community Bank
NOW Checking
0.05%
$100
AVB Bank
AVB Bank
Opportunities Checking
0.05%
$1,500
Jefferson Security Bank
Jefferson Security Bank
Simple Savings
0.05%
$0
The Bank of Glen Burnie
The Bank of Glen Burnie
Money Market
0.05%
$2,500
First Hawaiian Bank
First Hawaiian Bank
Money Market
0.02%
$100
Milford Bank
Milford Bank
Sound Money Market
0.02%
$5
Agility Bank
Agility Bank
18-Month CD
0.00%
$0
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 July 19, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
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 Guardian Savings Bank rate data right now, check back for updates, we are adding rates all the time.

Guardian Savings Bank Information

Guardian Savings Bank
3800 Nameoki Rd
Granite City, IL 62040
Madison
Established Date: 01/01/1919
FDIC Certificate #: 29986
Date of FDIC Deposit Insurance: 08/09/1989
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is Guardian Savings Bank FDIC Insured? Yes
What is Guardian Savings Bank's Cert number? 29986
What is the maximum amount for insured deposits? $250,000 per holder, per account

Guardian Savings Bank Financials

Total Assets:
$32,365,000
Total Deposits:
$26,161,000
Equity Capital:
$5,857,000
Domestic Deposits:
$26,161,000
Net Income:
$-92,000
Return on Assets:
-0.5281%
Quarterly Return on Assets:
-1.1500%
Pretax Return on Assets:
-1.1493%
Pretax Quarterly Return on Assets:
-1.1500%
Return on Equity:
-3.0800%
Quarterly Return on Equity:
-6.2400%
Leverage Tier 1 (Core Capital) Ratio:
20.7203%
Total Interest Income (YTD):
3.3171%
 
 
Headquarters:
Granite City
FDIC Field Office:
Mount Vernon
Regulator:
FDIC
County:
Madison
# of Offices:
1
Metropolitan Statistical Area (MSA):
St. Louis, MO-IL
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
Central
FDIC Region:
Chicago
Source: FDIC Last Updated 03/31/2024

Explore Other Rate Deals

Mortgage rates are higher this week as the economy gains steam and the unemployment rate falls. Record low mortgage rates we saw earlier this year are a thing of the past. We probably won't see rates as low again in our lifetime. Mortgage rates today on 30 year conforming loans are averaging 4.48 percent, an increase from last week's average 30 year mortgage rate of 4.38 percent.
State Farm Bank Savings rates are now at 0.10 percent with a yield of 0.10 percent. View current Savings rates at State Farm Bank below.

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