Maximize Your Membership Benefits

At Guardian Credit Union, we reward our members for their loyalty and engagement. Our Relationship Pricing program offers three tiers of benefits based on your level of participation. The more you engage with us, the more you earn!

Relationship Pricing Tiers

Earn Points Based On Your Relationship

  • Membership
    Years of Membership Points Earned
    0-4 years 1 point
    5-9 years 2 points
    10-14 years 3 points
    15-19 years 4 points
    20-24 years 5 points
    25-29 years 6 points
    30 or more years 7 points
  • eStatement Enrollment

    Earn 1 point for being enrolled in eStatements.

  • Online Banking Enrollment

    Earn 1 point for being registered for online banking. Must be active within past 45 days.

  • ACH Deposit to Guardian Checking Account

    Earn 1 point for an active (within the past 30 days) recurring ACH deposit, for example a direct deposit from your employer or Social Security.

  • Loan Relationship

    Earn points for your Guardian loan relationships. Earn 2 points for mortgage loans and 1 point each for other loans, including auto loans, home equity loans, other collateral loans, signature loans or Visa® credit cards. Earn a point or points for each loan.

  • Certificate Relationship

    Earn 1 point for having a certificate or certificates with Guardian.

  • Debit Card Activity

    Earn points based on your debit card activity over the course of 30 days.

    Transactions Points Earned
    10-39 transactions 1 point
    40-69 transactions 2 points
    70-99 transactions 3 points
    100 or more transactions 4 points
APY=Annual Percentage Yield. APR=Annual Percentage Rate. Under the GCU Relationship Pricing Program, membership and a GCU checking account is required. All existing and new membership/s will be eligible for benefits with the conditional disqualifications. GCU relationship pricing points earned based on the following criteria: years of membership, enrolled in E-statements, enrolled in online banking, ACH deposit to checking account, loan relationship, debit card activity and open certificate(s). Individual points are accumulated per social security number or tax ID number therefore can be interchanged with memberships in which one has ownership. Benefit level qualifications are generated and/or adjusted daily. Drawing/s are completed monthly, at random. Benefits and winnings are non-transferable. More than one rewards can be claimed at one time and/or per day. Other terms and conditions may apply. For more detail, see official terms and conditions for details by visiting our branch locations or online at https://www.guardiancu.org/relationship-pricing-tandc.

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