APY=Annual Percentage Yield. Minimum balance to open Advantage Money Market is $5,000.00. Minimum balance to earn interest is $5,000.00. The dividend rate and annual percentage yield will apply to the full balance of your account. Dividends will start accruing the day of deposit. Interest rate will automatically increase according to tiered categories, based on the daily balance. Dividends are paid monthly on the last day of each month and credited directly to the account. If balance falls below minimum required, interest will not be earned and a $15.00 monthly fee will be assessed, reducing the earnings. If the account is closed to monthly dividends being credited, you will forfeit any interest earned for that month. Guardian Credit Union has the right to change rates at any time, at their discretion. 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.