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Certificates of Deposit

Guardian Credit Union offers two types of Certificates of Deposit (CD) to our members. We offer a Traditional CD and Education Savings Account (ESA) CD.

Traditional CD Features

A Traditional CD is a great way to put money away that you shouldn’t touch until its maturity date. The purpose of a Traditional CD
is for your money to make money as it matures. This account is not designed to make deposits and withdrawals once opened. Early withdrawal may result in a penalty charge. Fee percentage is calculated based on account balance at time of withdrawal. Traditional CD can be withdrawn in full once maturity has been reached without penalty.

  • Minimum deposit of $500

  • Terms range from 3-60 months

  • Interest paid monthly into the CD account

Education Savings Account (ESA) CD

Start saving now for educational expenses with an Education Savings Account (ESA) CD. It has a low opening balance requirement and deposits can be made into the account up to the $2,000 annual limit. Contributions to ESA CDs are not tax-deductible, but dividends grow on a tax-deferred basis and withdrawals for qualified education expenses are tax-free. ESA CDs can be established for a child by anyone, and contributions to the account can also be made by anyone.

  • Low opening balance requirement

  • Contributions are not tax-deductible

  • No account maintenance fees

  • Deposits up to $2,000 can be made annually

  • Withdrawals for qualified education expenses are tax-free

Review current rates and terms.