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Deposit Rates

Effective May 17, 2024
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Deposit Specials:


Certificates of Deposit & IRA CD Specials Rate APY Paid
6 Months** $10,000 Minimum 5.13% 5.25% Monthly
12 Months**  $10,000 Minimum 4.89% 5.00% Monthly

Standard Rates:


Account Rate APY Paid
Regular Share and Club Accounts
    Average Balances $100 - $2,999
    Average Balances > $3,000 (Bonus Shares)

0.10%
0.20%

0.10%
0.20%

Quarterly
Quarterly
Round-Up Savings^ 5.00% 5.10% Quarterly
High Rate Savings††  ($10,000 required average daily balance) 4.50% 4.58% Monthly
Variable Rate IRA
Rates subject to change quarterly
0.50% 0.50% Quarterly
Checking & Money Market Account Rate APY Paid
Guardian Checking ($2,500 required average daily balance) 0.05%
0.05% Monthly
Ultimate Checking†
   Average Balances up to $15,000
   Average Balances >$15,000

5.00%
0.05%

5.12%
0.05%
Monthly 
Premier Checking ($5,000 required average daily balance) 0.20% 0.20% Monthly
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


1.00%
1.25%
1.50%
2.25%
2.50%
3.00%


1.00%
1.26%
1.51%
2.27%
2.53%
3.04%


Monthly
Monthly
Monthly
Monthly
Monthly
Monthly

Certificates of Deposit & IRA CDs* Rate APY Paid
6 Months* $500 Minimum 4.27% 4.35% Monthly
12 Months* $500 Minimum 4.55% 4.65% Monthly
18 Months* $500 Minimum 4.31% 4.40% Monthly
24 Months* $500 Minimum 4.27% 4.35% Monthly
36 Months* $500 Minimum 4.22% 4.30% Monthly
48 Months* $500 Minimum 3.93% 4.00% Monthly
60 Months* $500 Minimum 3.78% 3.85% Monthly

*Penalties may be applied for early withdrawal.
**Higher penalty may be applied for early withdrawal.
^Guardian Checking required to open account.
Monthly minimum of $250 in debit card spending and 15 debit card transactions required to qualify
†† Ultimate Checking required to open account; must meet Ultimate Checking monthly requirements to earn dividends.
APY = Annual Percentage Yield 
Rates are subject to change at any time.