Credit union · NCUA insured
Guardian Credit Union CD Rates
Guardian Credit Union’s best CD rate is 2.00% APY on a 2-year share certificate (CD). Terms run from 2 months to 5 years. Rates checked October 16, 2026.
How Guardian Credit Union’s CD rates compare
Compared with banks and credit unions near Milwaukee, WI, where Guardian Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Guardian Credit Union
2.00%APY
- Term
- 24 months
- Minimum
- $250
- Earns on $10,000
- $404
Certificates
Top rate
Kohler Credit Union
5.00%APY
- Term
- 9 months
- Minimum
- —
- Earns on $10,000
- $373
2nd-highest rate
Bank Five Nine
4.65%APY
- Term
- 23 months
- Minimum
- $2,500
- Earns on $10,000
- $910
Guardian Credit Union CD score
62
CD score
Higher than 8% of U.S. banks and credit unions
- 3–8 months3–8 mo1.00%
- 9–15 months9–15 mo1.50%
- 16–30 months16–30 mo2.00%
- 31–60 months31–60 mo2.00%
- QualifiedQualified2.00%
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 Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Certificates
Up to 2.00%APY · 9 terms
Guardian Credit Union membership is open to those living or working in Milwaukee, Waukesha, Kenosha, Ozaukee, Racine, Walworth and Washington counties. A $5.00 savings account is required. Early withdrawal penalty applies and will reduce earnings. APY based on a 365-day year.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 2 months | 0.25% | $4 |
| 3 months | 0.50% | $12 |
| 6 months | 1.00% | $50 |
| 12 months | 1.50% | $150 |
| 18 months | 1.75% | $264 |
| 24 months | 2.00% | $404 |
| 36 months | 2.00% | $612 |
| 48 months | 2.00% | $824 |
| 60 months | 2.00% | $1,041 |
Special-purpose accounts
Fixed Rate IRA
Up to 2.00%APY · 5 terms
Applies to Traditional and Roth IRAs with 1 through 5 year terms matching CD rates. Minimum balance to earn APY is $250. A $5.00 savings account is required. Guardian Credit Union membership open to those living or working in Milwaukee, Waukesha, Kenosha, Ozaukee, Racine, Walworth and Washington counties.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 months1-Year term matching CD rate; applies to Traditional and Roth IRA Fixed Rate | 1.50% | $150 |
| 24 months2-Year term matching CD rate; applies to Traditional and Roth IRA Fixed Rate | 2.00% | $404 |
| 36 months3-Year term matching CD rate; applies to Traditional and Roth IRA Fixed Rate | 2.00% | $612 |
| 48 months4-Year term matching CD rate; applies to Traditional and Roth IRA Fixed Rate | 2.00% | $824 |
| 60 months5-Year term matching CD rate; applies to Traditional and Roth IRA Fixed Rate | 2.00% | $1,041 |
Sources (1)
- guardiancu.org/rates · captured Oct 16, 2026
Who can join Guardian Credit Union
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