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High-Rate Savings

We believe that financial success begins with smart saving, and our High-Rate Savings Account is designed to help you reach your financial goals faster. Put your additional deposits to work for you without losing access to your funds and take your savings to a whole new level.



Earn 4.00% APY Monthly graphic

no monthly fees icon
No monthly fees.
No Maximum deposit limits
No maximum deposit limits.
Additional Share Insurance icon
Additional Share Insurance may be available for balances greater than $250,000.

Unlock access to this exclusive savings account by opening an Ultimate Checking account with Guardian.


Ultimate Checking

Spend $250 per month minimum icon
Spend $250 per month minimum.
swipe 15 times icon
Swipe 15 times per month with your Guardian debit card.**
Earn 5% APR Monthly icon
Earn 4.50% APY monthly on balances up to $15,000.***
$6 a month refund icon
$6/month ATM refund automatically credited to your account.

Earn more from your hard-earned money.

Opening a High-Rate Savings Account is easy, but availability is limited. Connect with a Guardian team member online, stop by your local branch, or give us a call at (334) 244-9999 to get started. Together, Ultimate Checking and High-Rate Savings make managing and earning more on your day-to-day finances easy.

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*APY means Annual Percentage Yield. An Ultimate Checking account is required to open a High-Rate Savings account. 4.00% APY is earned monthly on an average daily balance of $10,000 or more if Ultimate Checking requirements are met. Two withdrawals permitted per month on the High-Rate Savings account. A $20 fee may be applied for additional withdrawals. The Ultimate Checking account earns 4.50% APY monthly when monthly requirements are met. See current rate sheet for dividends paid on balances greater than $15,000 for Ultimate Checking. Rates are subject to change. Federally Insured by NCUA. Equal Housing Opportunity.