Guardian rates: up to 5.10% APY
credit union · NCUA CHARTER 68374 · www.myguardiancu.com/
Savings
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| High-Yield Savings | $10,000 required average daily balance | 4.00% | APY | 2026-11-01 | since 2026-11-01 | |
| Round-Up Savings^ | 5.10% | APY | 2026-11-01 | since 2026-11-01 | ||
| Savings Account | Regular Share and Club Accounts Average Balances $100 - $2,999 Average Balances > $3,000 | 0.10% | APY | 2026-11-01 | since 2026-11-01 | |
| Variable Rate IRA Rates subject to change quarterly | 1.00% | APY | 2026-11-01 | since 2026-11-01 |
CDs
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Certificates of Deposit 6 Months | 6 months | 3.80% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit 7 Months | 7 months | 4.15% | APY | 2026-11-01 | since 2026-11-01 | |
| Certificates of Deposit 13 Months | 13 months | 4.35% | APY | 2026-11-01 | since 2026-11-01 |
Money market
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Money Market Account | Money Market+ ($2,500 daily balance required) $2,500 to $9,999.99 $10,000 to $24,999.99 $25,000 to $99,999.99 $100,000 to $249,999.99 $250,000 to $499,999.99 $500,000 and up | 3.25% | APY | 2026-11-01 | since 2026-11-01 |
Checking
| Product | Term / tier | Rate | Basis | Recorded | History | Change |
|---|---|---|---|---|---|---|
| Guardian and Simplified Checking | $2,500 required average daily balance | 0.05% | APY | 2026-11-01 | since 2026-11-01 | |
| Premier Checking | $5,000 required average daily balance | 0.20% | APY | 2026-11-01 | since 2026-11-01 | |
| Ultimate Checking Average Balances up | 5.00% | APY | 2026-11-01 | since 2026-11-01 |
Sources and evidence
| Page | Last captured | Last result | Digest |
|---|---|---|---|
| www.myguardiancu.com/deposit-rates | 2026-11-01 21:23 UTC | ok | ae49454cfca4 |