What are the current interest rates at Guardian Bank?

Current rates for Guardian Bank include: 12-Month CD: 1.00%, Savings: 0.15%, MMA: 0.10%

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Guardian Bank Rates & Review October 2026

Q: How many branches does Guardian Bank operate?

Guardian Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is there a first-time homebuyer program?

Currently, Guardian Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Guardian Bank provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Guardian Bank's top rates as of October 7, 2026 are 1.00% APY on its 12-Month Certificate, 0.15% APY on savings, and 0.10% APY on money market accounts, according to rates verified by MonitorBankRates. MonitorBankRates evaluates the financial stability of Guardian Bank with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 5.47%. Rates last updated and verified on 10/07/2026.

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

Verified Healthy Q2 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.47%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Guardian Bank

701 Wildwood Plantation Dr
Valdosta, GA 31602

https://www.guardian.bank

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Financial health data as of Q2 2026 (FDIC call report for the quarter ended June 30, 2026). This is the most recent call report available. The FDIC publishes bank call reports about eight weeks after each quarter ends.

Guardian Bank CD Rates

Product	Rate	APY	Term	View More
12 Month Certificate	1.00%	1.00%	12 month
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 24, 2026 · 1.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

Guardian Bank Savings Rates

Product	Rate	APY	View More
Personal Savings Account	0.15%	0.15%
No additional details. Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 0.15% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

Guardian Bank Money Market Rates

Product	Rate	APY
Personal Money Market	0.40%	0.40%
Min Balance $250,000 Details Balance: More than $250,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.40% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Personal Money Market	0.30%	0.30%
Min Balance $100,000 Details Balance: $100,000 to $249,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.30% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Personal Money Market	0.25%	0.25%
Min Balance $25,000 Details Balance: $25,000 to $99,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Personal Money Market	0.15%	0.15%
Min Balance $1,000 Details Balance: $1,000 to $24,999 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%
Personal Money Market	0.10%	0.10%
Min Balance $0 Details Balance: Under $1,000 Last Updated 10/07/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 2 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.47%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Guardian Bank’s Texas Ratio fell from 14.05% in Q3 2023 to 5.47% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 3.6 to 5.0 and its Health Grade from C+ to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$598M	5.47%	5.0	A+
March 31, 2026	$601M	5.93%	5.0	A+
December 31, 2025	$591M	6.21%	5.0	A
September 30, 2025	$577M	6.16%	5.0	A
June 30, 2025	$567M	7.97%	5.0	A
March 31, 2025	$591M	8.70%	5.0	A
December 31, 2024	$571M	9.85%	4.9	A
September 30, 2024	$569M	9.80%	5.0	A
June 30, 2024	$565M	11.71%	4.6	A-
March 31, 2024	$561M	13.42%	4.3	B
December 31, 2023	$555M	11.00%	4.4	B+
September 30, 2023	$537M	14.05%	3.6	C+

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating: Our rating for Guardian Bank is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions.

Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation: We gather Guardian Bank rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Guardian Bank's official website for the most current offers and terms.

Bank Profile & Overview

Institution Name Guardian Bank

Bank Holding Company WB&T BANKSHARES INC

Address 701 Wildwood Plantation Dr, Valdosta, GA 31602 · Lowndes

Website https://www.guardian.bank

FDIC Certificate # 57127

Established 20010501

FDIC Insurance Date 20010501

Domestic Offices 5

Total Branches 5

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 97/100

5.0

Exceptional Out of 5.0 Stars

5.47%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.5413%

Return on Equity (ROE) 17.7300%

Non-Performing Loans (NPL) 0.91%

Total Assets $597,901,000

Total Deposits $524,348,000

Equity Capital $52,662,000

Net Income $4,598,000

Headquarters Valdosta

Total Branches and Offices 5

Source: FDIC | Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Guardian Bank earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/banks/guardian-bank-rates-review-57127">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Frequently Asked Questions About Guardian Bank

How many branches does Guardian Bank operate?

Guardian Bank currently maintains approximately 5 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is there a first-time homebuyer program?

Currently, Guardian Bank does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Guardian Bank provides members with tools to manage their accounts and build a solid financial history.

Does Guardian Bank offer online and mobile banking?

Most modern institutions like Guardian Bank provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.guardian.bank.