Businesses in the Springfield, Missouri area are looking for a financial ally that understands their unique needs. Recognizing this, Guaranty Bank has tailored our business savings solutions to offer more than just transactional support. Our suite of business savings accounts, including money market accounts, savings accounts, and certificates of deposit (CDs), is designed to maximize the financial growth and stability of your company. With competitive savings account interest rates, flexible money market accounts, and competitive CD rates Guaranty Bank is here to help your business thrive.

Business Money Market Accounts

Elevate your business's financial strategy with Guaranty Bank's business money market accounts, offering premium interest rates paid monthly based on your daily balance. Ideal for businesses in Springfield, MO looking for liquidity with a higher yield, these accounts strike the perfect balance between access and growth. With the flexibility to make in-person withdrawals or transfers without limits and a structure encouraging savings, our money market accounts are a smart choice for businesses aiming to optimize their cash reserves while earning competitive returns.


  • A premium rate of interest is paid monthly on the account’s daily balance.
  • Bank policy limits the number of debits or checks to six per statement cycle. No limit on in person withdrawals or transfers. $10 excess w/d fee, per item.
  • Maintain a minimum daily balance of $1,000 or an average statement cycle balance of $2,500 and the $10 monthly maintenance fee will be waived.

Business Savings Accounts

Guaranty Bank's business savings accounts are crafted to support local businesses in building a solid financial foundation. By maintaining a modest balance of $500, your business can benefit from waived monthly maintenance fees, allowing your savings to grow uninterrupted. With the capability for six withdrawals per month, this account offers the flexibility needed for the ebb and flow of business operations, all while providing an attractive savings account interest rate to help your reserves grow steadily over time.


  • Maintain a $500 balance throughout the calendar cycle and the $6 monthly maintenance fee will be waived.
  • Allows 6 withdrawals per month. Excess withdrawal fee is $1 per item.

Certificates of Deposit - CDs

Guaranty Bank's certificates of deposit offer a range of maturities from 7 days to 3 years, catering to both short-term and long-term financial planning. With a minimum opening deposit of $1,000, our CDs provide a safe and reliable investment avenue, boasting some of the best CD rates available. This is an excellent opportunity for businesses to lock in a guaranteed return, contributing to their financial stability and growth.


  • Choice of maturities ranging from 7 days to 3 years.
  • $1,000 minimum opening deposit.

How does a Business Money Market Account differ from a Business Savings Account at Guaranty Bank?

Both accounts offer secure ways to save, but our Business Money Market Account provides a higher interest rate, reflecting the daily balance, and more flexibility in accessing funds. The Savings Account is ideal for businesses looking to maintain a lower balance while still avoiding monthly fees and earning interest.

What are the benefits of opening a business Certificate of Deposit (CD) with Guaranty Bank?

Guaranty Bank's CDs offer a range of maturities to fit your business's financial planning needs, from short-term to long-term. With competitive CD rates, these are ideal for businesses looking to secure a guaranteed return on their investment, contributing to financial stability and growth.

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Can I access my Business Money Market funds online with Guaranty Bank?

Yes, Guaranty Bank provides convenient online and phone transfer options to your specified Guaranty Bank checking account, in addition to in-person access. This ensures that your funds are readily available when your business needs them, while still earning a premium interest rate.