Savings Rates

All rates are effective June 1, 2023. Rates are subject to change at any time.

  • 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).

  • Certificates
      APY Dividend Rate Minimum Deposit
    2-Month* 0.05% 0.05% $250
    3-Month* 0.05% 0.05% $250
    6-Month 0.10% 0.10% $250
    7-month 4.25% 4.17% $250
    9-month
    (new money only)    		 4.75% 4.65% $2,500
    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 not including a 9-month certificate is $250. Minimum balance to open a 9-month certificate is $2,500, which must be new money not on deposit with Guardian Credit Union at the time your certificate is opened. 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 Penalties will be charged if certificate funds are withdrawn prematurely.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.
  • 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.

  • Health Savings Accounts
      APY Dividend Rate
    Health Savings Accounts 0.25% 0.25%

    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.

  • Blue Money Market
      Minimum Balance to earn rate APY Dividend Rate
    $10,000+ $10,000 0.025% 0.025%

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

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