Savings Accounts

A savings account not only lays the foundation for financial well-being but also offers a secure place to grow your funds as you plan for both the predictable and unpredictable things in life. At Guardian, we offer several accounts to grow your savings and meet your needs and lifestyle.

Smiling couple saving coins in piggy bank, representing Guardian Credit Union checking and savings

Compare our Savings Accounts

Primary Share Account

Unlock the benefits of becoming a Guardian member and start saving today.

$1 Minimum Deposit
No Monthly Service Fees
Dividends earned quarterly on the average daily balance above $100

High-Yield Savings

Earn more from your hard-earned money. Access this exclusive savings account by opening an Ultimate Checking account.

Earn 4.00% APY Monthly on balances over $15,000
No maximum deposit limits
Additional Share Insurance may be available for balances greater than $250,000
Ultimate Checking account required

High-Yield Savings Details

Certificate of Deposit

Pick the length of desired earning time with a CD. This is great way to earn higher dividends on money that you do not need access to for an allotted period of time.

Minimum deposit of $500 unless otherwise stated
Terms range from 6-60 months.
Interest paid monthly into the CD account
Money can be withdrawn in full once maturity has been reached
Early withdrawal may result in a penalty charge. Fee percentage is calculated based on account balance at time of withdrawal.

Money Market

A tiered savings account that pays higher dividends based on how much you save while still having access to your money.

Minimum opening deposit of $2,500
Earn at a tiered rate
No withdrawal limitations
Make deposits anytime
Dividends earned monthly

Christmas Club

Unwrap a stress-free holiday season by saving all year long.

No minimum balance
No monthly service fees
Deposits and transfers into the account allowed at any time
Dividends earned quarterly

Youth Savings

Good habits start young! Build your child's financial foundation and set them up for a successful future.

$1 Minimum Deposit
No monthly service fees
Customizable Parental Permission Settings
Dividends earned quarterly on the average daily balance above $100

Youth Savings Details

IRA

Planning for the future? An IRA can help you build long-term savings with tax advantages.

Opportunity for Tax-Deductible Contributions or Tax-Free Earnings
Open and manage on your own

IRA Details

Savings Account Features

While each saving account provides a unique purpose, all Guardian savings account options are free and include the following features:

eStatements
Direct Deposit
24/7 Account Access
Coin Machine Access
No monthly or annual service fees

Explore Accounts

A $100 minimum deposit is required when opening any savings account online except for a Primary Share.

The Primary Share minimum requirement is $1.

Visit the deposit rate page to view all current tiers and rates for Guardian Savings Accounts.

To become a Guardian member, we start by opening a Primary Share (Savings) Account with a minimum deposit of $1. At a Credit Union, your Share Account represents your ownership in the financial institution. Every member has an equal share and voice; that is one of the many differences that a Credit Union provides. Membership has its perks so keep exploring to find additional products and services that fit your needs.

Guardian offers two types of Certificates of Deposit (CD) to members. Our CDs offer many different terms and rates for you to choose from.

Traditional CD: 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.
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.

Review current rates and terms.

Enjoy higher interest rates than a regular savings account while keeping easy access to your funds. The higher your balance, the more you’ll earn. Guardian Money Market accounts include a checkbook feature, which allows you to write checks from your account. View current Money Market tiers and rates.

*A minimum of $100 deposit required for online account opening.

Minimize holiday stress by saving all year long with a Christmas Club Account at Guardian. This account helps you budget for gifts, travel, and other holiday expenses for the whole family-- so you can enjoy this season without financial strain. Start saving today and enter the holidays more prepared than last year. Access to make withdrawals and deposits to your Christmas Club Account is available all year long.