Savings Rates - Guardian Credit Union

Certificates

	APY	Dividend Rate	Minimum Deposit
11-month	5.00%	4.89%	$250
14-month	4.75%	4.65%	$250
2-Month*	0.05%	0.05%	$250
3-Month*	0.05%	0.05%	$250
6-Month	0.10%	0.10%	$250
1-Year	0.15%	0.15%	$250
18-Month	0.15%	0.05%	$250
2-Year	0.20%	0.20%	$250
3-Year	0.25%	0.25%	$250
4-Year	0.30%	0.30%	$250
5-Year	0.30%	0.30%	$250

Minimum deposit to open a certificate is $250. Minimum balance to open a APY is Annual Percentage Yield. 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 Penalties will be charged if certificate funds are withdrawn prematurely.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 details). Rates and terms are subject to change without notice and may end at any time. *Dividends paid at maturity.

Advantage Money Market

	APY	Dividend Rate	Minimum Balance to Earn Rate
$5,000-$30,000	0.50%	0.50%	$5,000
$30,000.01-$75,000	1.00%	1.00%	$30,000.01
$75,000.01-$125,000	1.50%	1.49%	$75,000.01
$125,000.01-$200,000	2.25%	2.23%	$125,000.01
$200,000.01 or more	3.00%	2.96%	$200,000.01

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.

Blue Money Market

	APY	Dividend Rate	Minimum Balance to Earn Rate
$10,000+	0.025%	0.025%	$10,000

Balances that fall below $2,500 will be assessed a fee. Fees could reduce earnings on this account.

Savings Programs

	APY	Dividend Rate
Shares (Regular Savings)	0.01%	0.01%
Christmas Club*	0.05%	0.05%
Vacation Club*	0.05%	0.05%
Tax Club*	0.05%	0.05%
Education Fund*	0.05%	0.05%
Car Fund*	0.05%	0.05%
Home Fund*	0.05%	0.05%

Minimum balance to earn stated APY is $25. *A penalty will be imposed for early withdrawal. Fees could reduce earnings on these accounts.

Checking Accounts

	Minimum Balance to earn rate	APY	Dividend Rate
Reserved Checking	$2,500	0.01%	0.01%
Platinum Checking	$2,500+	0.01%	0.01%
	$10,000+	0.025%	0.025%
	$50,000+	0.025%	0.025%
	$100,000	0.025%	0.025%

Fees could reduce earnings on these accounts.

Health Savings Accounts

	APY	Dividend Rate
Health Savings Accounts	0.25%	0.25%

Fees could reduce earnings on these accounts.

IRAs

	APY	Dividend Rate
Traditional IRA: Variable Rate	0.01%	0.01%
Traditional IRA: Fixed Rate*	1 through 5 year term same as CD rates
Roth IRA: Variable Rate	0.01%	0.01%
Roth IRA: Fixed Rate*	1 through 5 year term same as CD rates

Minimum balance to earn APY: Fixed Rate IRA $250, Variable Rate IRA $50.00 (minimum deposit $1.00).