APY is Annual Percentage Yield. Minimum deposit to open a Certificate is $250. APY for all accounts is based on a 365-day year and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. Penalties will be charged if certificate funds are withdrawn prematurely. Penalty will be based on the certificate’s dividend rate at the time of the premature withdrawal. See Truth in Savings disclosure for terms and conditions of certificate. Rates and terms are subject to change without notice and may end at any time. A $5.00 savings account is required. Guardian Credit Union membership is open to those living or working in Milwaukee, Waukesha, Kenosha, Ozaukee, Racine, Walworth and Washington counties. Federally insured by NCUA.