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Even if you are in a small guild and don't draw your payment on a regular basis, guild earn skill points very much like players do, and they can allocate those towards perks that benefit all guild members with a valid contract.
These can include combat buffs like +AP or +HP, non-combat buffs such as up to +3 fishing speed and +3 gathering, among other things.
You will see guilds advertising in game and very often they will state what buffs they have.
They are also very handy to learn the ropes of the game, if you join a guild with many experienced players.
Daily pay up to 5 mill/day consistent
guild activities
dpending on guild weekly/biwekly payouts of massive amounts of silver 15mill-100+mills
and all the social stuff