Bank · FDIC insured
Guardian Bank CD Rates
Guardian Bank’s best CD rate is 1.00% APY on a 1-year CD. Rates checked October 22, 2026.
How Guardian Bank’s CD rates compare
Compared with banks and credit unions near Valdosta, GA, where Guardian Bank has the most branches. $10,000, best rate first.
This bank’s best
Guardian Bank
1.00%APY
- Term
- 12 months
- Minimum
- $500
- Earns on $10,000
- $100
Certificates of Deposit
Top rate
Southeastern Credit Union
4.15%APY
- Term
- 18 months
- Minimum
- $500
- Earns on $10,000
- $629
2nd-highest rate
Colony Bank
4.05%APY
- Term
- 11 months
- Minimum
- $500
- Earns on $10,000
- $371
Every rate
Current CD rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Certificates of Deposit
1.00%APY · 1 term
Terms from 30 days to 5 years available. Open an account with just $500. Penalty for early withdrawal. Rates accurate as of May 27, 2026.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsOnline account opening rate. A penalty will be imposed for early withdrawal. Fees could reduce earnings. Interest assumed to remain on deposit until maturity | 1.00% | $100 |
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.