Products

Deposit Accounts

Our Deposit Accounts include the following:

GNB Classic Account

Minimum balance to open the account: You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees: A service charge of $9.00 will be imposed every statement cycle if the balance in the account falls below $100.00 any day of cycle.

GNB Classic Plus Account

Rate Information: Check our Rates page for current rates and yields on this account.
Frequency and Determination of rates: Interest rates on checking accounts may change at any time.
Compounding and Crediting Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
Effect of closing an account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account: You must deposit $100.00 to open this account.
Minimum balance to avoid imposition of fees: A service charge fee of $9.00 will be imposed every statement cycle if the balance of the account falls below $100.00 any day of the cycle.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily balance computation method: We use the daily method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual on interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)

TMB Club Account

Fees: A maintenance fee of $6.00 will be charged each monthly statement cycle.
Additional Benefits: First 50 checks are free; All TMB Club Benefits

TMB Club 50 Account

Fees: A maintenance fee of $5.00 will be charged each monthly statement cycle.
Additional Benefits: First 50 checks are free; All TMB Club Benefits

TMB Club Plus Account

Rate Information: Check the Rates page of the Website for information concerning rates.
Frequency and Determination of rates: We may change the interest rate on your account at any time.
Compounding Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)
Fees: A maintenance fee of $8.00 will be charged each monthly statement.
Additional Benefits: Free Club Checks; All TMB Club Benefits

TMB Club 50 Plus Account

Rate Information: Check the Rates page of the Website for information concerning rates.
Frequency and Determination of rates: We may change the interest rate on your account at any time.
Compounding Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to obtain the annual percentage yield disclosed: You must maintain a minimum balance of $1,000.00 in the account each day to obtain the disclosed annual percentage yield.
Daily Balance Computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)
Fees: A maintenance fee of $7.00 will be charged each monthly statement.
Additional Benefits: Free Club Checks; All TMB Club Benefits

Savings Account

Rate Information: Check the Rates page of the Website for information concerning rates.
Frequency and Determination of rates: We may change the interest rate on your account at any time.
Compounding Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
Minimum balance to open the account: You must deposit $50.00 to open this account.
Minimum balance to avoid imposition of fees: A service charge of $3.00 will be imposed every statement cycle if the balance in the account falls below $50.00 any day of the cycle.
Daily Balance Computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)
Transaction limitations: Transfers from a savings account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to two per month.
Fees: A per item service charge of $2.00 will be charged for each withdrawal in excess of two during a month.

Christmas Club Account

Rate Information: Check the Rates page of the Website for information concerning rates.
Frequency and Determination of rates: We may change the interest rate on your account at any time.
Compounding Frequency: Interest will be compounded every day. Interest will be credited to your account every statement cycle.
Effect of Closing an Account: If you close your account before interest is credited, you will not receive the accrued interest.
Daily Balance Computation method: We use the daily balance method to calculate the interest on your account. This method applies a daily periodic rate to the principal in the account each day.
Accrual of interest on noncash deposits: Interest begins to accrue on the first business day after the banking day you deposit noncash items. (example, checks)
Transaction limitations: If any withdrawal is made from this account before maturity, then this account may be closed.

Certificates of Deposit Accounts

We offer very competitive rates on all 6,12,18,24,30,36 and 60 month time deposits at Gilmer National Bank. For details on the rates at Gilmer National Bank see our Rates page or contact Fran Johnson via email fjohnson@gnbgilmer.com or call her at 903-843-5653.

Individual Retirement Accounts

An 18-month IRA for your retirement planning can be purchase at Gilmer National Bank for your retirement needs. For details on the IRA rate at GNB see our Rates page or contact Fran Johnson via email fjohnson@gnbgilmer.com or call her at 903-843-5653.

Lending Products

Gilmer National Bank offers the following Lending Products:

Consumer Loans

Gilmer National Bank is here to help you with your consumer lending needs. From a new or used car or truck, recreational vehicle, motorcycle, or that new boat for summer time fun, Gilmer National Bank is there for you! To email an officer concerning your lending needs or if you have questions: Randy Duke, Les Morris or Paul Wilson. Or call us at (903) 843-5653.

Consumer Loan Applications

(Applications are in PDF. Please print a copy and take the completed application to your lending officer.)

Commercial/Agricultural Loans

In the ever changing financial market that we have today, you need a trusted banking partner to help with your financing needs. Gilmer National Bank is here to help serve you and your business to grow to its fullest potential. Below is a list of some types of business loans we offer:

Real Estate/Construction
Cattle/ Agricultural Loans
Equipment/ Machinery
Letters of Credit
Customized Lines of Credit

Come see one of our Lending Officers to discuss you next business need. You may email any questions or comments to: Paul Wilson, Larry Cowan or Les Morris. Or call us at (903) 843-5653.

Commercial/Agricultural Loan Applications