Bank · FDIC insured
Guardian Bank Savings Rates
Guardian Bank’s best savings rate is 0.15% APY on $10,000, with its Personal Money Market Account. Rates checked October 22, 2026.
How Guardian Bank’s savings 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
0.15%APY
- Minimum
- —
- Earns on $10,000 a year
- $15
Personal Money Market Account
Top rate
First Commerce Credit Union
3.00%APY
- Minimum
- $2,500
- Earns on $10,000 a year
- $300
2nd-highest rate
Southeastern Credit Union
1.76%APY
- Minimum
- $1,000
- Earns on $10,000 a year
- $176
Guardian Bank savings score
68
Savings score
Higher than 20% of U.S. banks and credit unions
- $1,000 balance$1,0000.15%
- $10,000 balance$10,0000.15%
- $100,000 balance$100,0000.30%
- QualifiedQualified0.15%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Guardian Bank ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the bank’s website. Earnings assume the rate doesn’t change.
Personal Money Market Account
0.15%APY
Compounded and paid monthly. No service charge when daily balance exceeds $500 ($5 monthly balance fee if balance dips below $500 any day in statement cycle). $5 fee for every debit in excess of 6 per monthly statement cycle. Rates are variable and set when opened online.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Up to $1,000Rate applies to balances under $1,000. Account opened online. | 0.10% | — | Rate applies to balances under $1,000. Account opened online. |
| $1,000 – $24,999Rate applies to balances $1,000 to $24,999. Account opened online. | 0.15% | $15 | Rate applies to balances $1,000 to $24,999. Account opened online. |
| $25,000 – $99,999Rate applies to balances $25,000 to $99,999. Account opened online. | 0.25% | — | Rate applies to balances $25,000 to $99,999. Account opened online. |
| $100,000 – $249,999Rate applies to balances $100,000 to $249,999. Account opened online. | 0.30% | — | Rate applies to balances $100,000 to $249,999. Account opened online. |
| $250,000 and upRate applies to balances more than $250,000. Account opened online. | 0.40% | — | Rate applies to balances more than $250,000. Account opened online. |
Special-purpose accounts
Personal Savings Account
0.15%APY
No service charge for customers under 18. Minimum daily balance of $250 to avoid a $5 quarterly balance fee. Rate is compounded and paid quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceAll deposits. Accounts opened online.Any balance | 0.15% | $15 | All deposits. Accounts opened online. |
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.