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All rates are effective April 3, 2017. Rates are subject to change at any time.


IRAs APY Dividend Rate
Traditional IRA: Variable Rate 0.10% 0.10%
Traditional IRA: Fixed Rate* 1 through 5 year term
same as CD rates
Roth IRA: Variable Rate 0.10% 0.10%
Roth IRA: Fixed Rate* 1 through 5 year term
same as CD rates
CSA (Education IRA) See IRA representative

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* 0.10% 0.10% $250
3 Month* 0.10% 0.10% $250
6 Month 0.15% 0.15% $250
1 Year 0.20% 0.20% $250
18 Month 0.25% 0.25% $250
2 Year 0.40% 0.40% $250
3 Year 0.65% 0.65% $250
4 Year 0.75% 0.75% $250
5 year 1.16% 1.15% $250

Minimum $250 deposit on all certificates. Interest is earned daily. A penalty will be imposed for early withdrawal. “New Deposit” refers to funds that have not been on deposit with Guardian Credit Union during the previous 30 days. *Dividends paid at maturity.


Savings Programs APY Dividend Rate
Shares (Regular Savings) 0.05% 0.05%
Christmas Club* 0.12% 0.12%
Vacation Club* 0.12% 0.12%
Tax Club* 0.12% 0.12%
Education Fund* 0.12% 0.12%
Car Fund* 0.12% 0.12%
Home Fund* 0.12% 0.12%

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
0.75%
0.75%

Fees could reduce earnings on these accounts.


Checking Accounts Minimum Balance
to earn rate
APY Dividend Rate
Reserved Checking $2,500 0.10% 0.10%
Platinum Checking $2,500+
$10,000+
$50,000+
$100,000+
0.10%
0.15%
0.15%
0.15%
0.10%
0.15%
0.15%
0.15%
Smart Business Checking $2,500+
$10,000+
$50,000+
$100,000+
0.10%
0.15%
0.15%
0.15%
0.10%
0.15%
0.15%
0.15%

Fees could reduce earnings on these accounts.


Blue Money Market APY Dividend Rate
$2,500+ 0.05% 0.05%
$10,000+ 0.10% 0.10%

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