PERSONAL RATES
Loans
Effective: January 30, 2025
Auto/Personal Loans
1 APR is the annual percentage rate. Your actual APR may vary based on your credit qualifications, approved loan amount and repayment term. Rates are subject to change without notice. Based on an interest rate of 5.90%, a $25,000 loan would have 60 monthly payments of $484.02 and an APR of 6.06%.
Real Estate Loans
2 APR is Annual Percentage Rate. The interest rates and APRs shown are subject to change without notice and may vary depending on loan amount, loan-to-value (LTV), credit worthiness, type of transaction and property type. Your APR will vary based on your final loan amount and finance charges.
3 ARMs These are variable rate loan products, thus the APR is variable and may increase. See full details of our 5x1 ARM or 7x1 ARM loan products.
4 This is a variable rate loan product, thus the APR is variable and may increase. See full details.
Checking Rates
Accurate as of: January 1, 2025
NOW Checking
| Minimum Balance to Obtain APY6 | APY7 |
|---|---|
| up to $2,499.99 | 0.10% |
| $2,500 and up | 0.10% to 0.15% |
6 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $100.
7 APY is Annual Percentage Yield. APY is accurate as of January 1, 2025. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
Rewards Checking8
| Minimum Daily Balance9 | APY10 | |
|---|---|---|
| If you meet the monthly statement cycle requirements11 | up to $24,999.99 | 3.04% |
| If you meet the monthly statement cycle requirements11 | $25,000.00 and up | 3.04% - 0.06% |
| If you do NOT meet the monthly statement cycle requirements11 | No minimum | 0.05% |
8 Limit one account per household. Account owner(s) must be over 18 years of age.
9 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $100.
10 APY is Annual Percentage Yield. APY is accurate as of January 1, 2025. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
11 To earn the rewards interest APY, you must meet the monthly statement cycle requirements:
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You must have a minimum of ten (10) GBB credit or "signature-based" debit card transactions that post and clear your account during the statement cycle. ATM and point-of-sale PIN-based transactions DO NOT count toward the ten (10). Transactions made during the statement cycle, but not posted will count toward the next statement cycle.
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You must sign-up for eStatements. You must also access GBB online banking and view your eStatements at least once during each statement cycle.
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You must have a minimum of one (1) Automated Clearing House (ACH) credit that posts to the account during the statement cycle.
Savings
Accurate as of: January 1, 2025
Money Market
| Minimum Daily Balance12 | APY13 |
|---|---|
| up to $49,999.99 | 1.00% |
| $50,000.00 - $99,999.99 | 1.00% to 1.51% |
| $100,000.00 - $249,999.99 | 1.51% to 1.91% |
| $250,000.00 and up | 1.91% to 2.51% |
12 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $2,500.
13 APY is Annual Percentage Yield. APY is accurate as of January 1, 2025. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
Personal Savings
| Minimum Daily Balance14 | APY15 |
|---|---|
| No minimum | 0.50% |
14 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $100.
15 APY is Annual Percentage Yield. APY is accurate as of January 1, 2025. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
Youth Savings
| Minimum Daily Balance15 | APY16 |
|---|---|
| No minimum | 0.50% |
15 Minimum daily balance to earn stated APY. The minimum deposit required to open this account is $10.
16 APY is Annual Percentage Yield. APY is accurate as of January 1, 2025. Rates subject to change without notice and may change after the account is opened. Fees could reduce earnings on the account.
CDs
Accurate as of: January 1, 2025
Rates listed are valid for personal accounts only.
17 The minimum deposit required to open this account is $1,000. A penalty may be imposed for early withdrawal.
18 APY is Annual Percentage Yield. APY is accurate as of January 1, 2025. The minimum balance to obtain the APY is $1,000. Fees could reduce earnings on the account.
