Credit union · NCUA insured
Guardian Credit Union Savings Rates
Guardian Credit Union’s best savings rate is 0.70% APY on $10,000, with its Advantage Money Market. Rates checked October 16, 2026.
How Guardian Credit Union’s savings 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
0.70%APY
- Requires
- None
- Minimum
- $5,000
- Earns on $10,000 a year
- $70
Advantage Money Market
Top rate
Advia Credit Union
3.75%APY
- Requires
- Monthly account activity
- Minimum
- $0
- Earns on $10,000 a year
- $375
2nd-highest rate
UMB Bank
3.71%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $371
Guardian Credit Union savings score
81
Savings score
Higher than 55% of U.S. banks and credit unions
- $1,000 balance$1,0000.05%
- $10,000 balance$10,0000.70%
- $100,000 balance$100,0001.70%
- QualifiedQualified0.70%
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 savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Advantage Money Market
0.70%APY
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. Minimum balance to open is $5,000.00. Minimum balance to earn interest is $5,000.00. If balance falls below minimum required, interest will not be earned and a $15.00 monthly fee will be assessed.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5,000 – $30,000The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. | 0.70% | $70 | The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. |
| $30,000 – $75,000The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. | 1.20% | — | The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. |
| $75,000 – $125,000The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. | 1.70% | — | The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. |
| $125,000 – $200,000The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. | 2.20% | — | The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. |
| Over $200,000The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. | 2.70% | — | The dividend rate and annual percentage yield will apply to the full balance of your account. $15.00 monthly fee will be assessed if balance falls below minimum required. |
Car Fund
0.05%APY
Funds can be withdrawn at any time without penalty if used for the specific account type purpose; otherwise, a $5 withdrawal penalty may be charged.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum opening balance of $1 and minimum balance of $25 to earn dividends.$25 and up | 0.05% | $5 | Minimum opening balance of $1 and minimum balance of $25 to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Education Fund
0.05%APY
Funds can be withdrawn at any time without penalty if used for the specific account type purpose; otherwise, a $5 withdrawal penalty may be charged.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum opening balance of $1 and minimum balance of $25 to earn dividends.$25 and up | 0.05% | $5 | Minimum opening balance of $1 and minimum balance of $25 to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Home Fund
0.05%APY
Funds can be withdrawn at any time without penalty if used for the specific account type purpose; otherwise, a $5 withdrawal penalty may be charged.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum opening balance of $1 and minimum balance of $25 to earn dividends.$25 and up | 0.05% | $5 | Minimum opening balance of $1 and minimum balance of $25 to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Pet Fund (Paws and Plans Savings)
0.05%APY
Dedicated pet savings account. Funds are accessible whenever needed for pet-related expenses without monthly/annual fees or withdrawal penalties. Members who maintain at least $100 balance at month end and meet eligibility are entered into a monthly drawing for a $25 Chewy gift card.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upA minimum of $1.00 is required to open and maintain account. APY earned with a minimum balance of $25.00.$25 and up | 0.05% | $5 | A minimum of $1.00 is required to open and maintain account. APY earned with a minimum balance of $25.00. |
Sources (3)
- guardiancu.org/paws-and-plans-savings
- guardiancu.org/rates
- guardiancu.org/savings-and-che…s-accounts/savings-clubs
All captured Oct 5, 2026
Blue Money Market
0.03%APY
Balances that fall below $2,500 will be assessed a fee.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upBalances that fall below $2,500 will be assessed a fee.$10,000 and up | 0.03% | $3 | Balances that fall below $2,500 will be assessed a fee. |
Sources (1)
- guardiancu.org/rates · captured Oct 5, 2026
Saver's Sweepstakes
0.01%APY
Open to Wisconsin, Illinois and Minnesota residents only. Prize-linked savings account offering prize drawing entries for each $25 increase in monthly savings balance (up to 6 entries per month). A penalty will be imposed for early withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn stated APY is $25. Fees could reduce earnings.$25 and up | 0.01% | $1 | Minimum balance to earn stated APY is $25. Fees could reduce earnings. |
Sources (1)
- guardiancu.org/savings-and-che…ounts/savers-sweepstakes · captured Oct 5, 2026
Shares (Regular Savings)
0.01%APY
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 balance represents ownership in the credit union. No monthly fee on active accounts.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upEarns interest on balances above $25.$25 and up | 0.01% | $1 | Earns interest on balances above $25. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Health Savings Accounts
0.25%APY
Designed for individuals with high-deductible health plans. Funded with pre-tax dollars for out-of-pocket medical expenses.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceInterest is paid monthly on the last day of each month and credited directly to the account. Fees could reduce earnings.Any balance | 0.25% | $25 | Interest is paid monthly on the last day of each month and credited directly to the account. Fees could reduce earnings. |
Sources (2)
All captured Oct 5, 2026
Christmas Club
0.05%APY
Funds are automatically transferred into regular savings account upon maturity date (10/1). Any withdrawal done outside specified maturity date may have a $5 withdrawal penalty. Penalty will be based on rate and/or balance at time of withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum opening balance of $1 and minimum balance of $25 to earn dividends.$25 and up | 0.05% | $5 | Minimum opening balance of $1 and minimum balance of $25 to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Tax Club
0.05%APY
Funds are automatically transferred into regular savings account upon maturity date (2/1). Any withdrawal done outside specified maturity date may have a $5 withdrawal penalty. Penalty will be based on rate and/or balance at time of withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum opening balance of $1 and minimum balance of $25 to earn dividends.$25 and up | 0.05% | $5 | Minimum opening balance of $1 and minimum balance of $25 to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Vacation Club
0.05%APY
Funds are automatically transferred into regular savings account upon maturity date (6/1). Any withdrawal done outside specified maturity date may have a $5 withdrawal penalty. Penalty will be based on rate and/or balance at time of withdrawal.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum opening balance of $1 and minimum balance of $25 to earn dividends.$25 and up | 0.05% | $5 | Minimum opening balance of $1 and minimum balance of $25 to earn dividends. |
Sources (2)
All captured Oct 5, 2026
Roth IRA: Variable Rate
0.01%APY
Variable rate Roth IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum deposit $1.00; minimum balance to earn APY is $50.00. No monthly fee.$50 and up | 0.01% | $1 | Minimum deposit $1.00; minimum balance to earn APY is $50.00. No monthly fee. |
Sources (2)
All captured Oct 5, 2026
Traditional IRA: Variable Rate
0.01%APY
Variable rate Traditional IRA.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $50 and upMinimum deposit $1.00; minimum balance to earn APY is $50.00. No monthly fee.$50 and up | 0.01% | $1 | Minimum deposit $1.00; minimum balance to earn APY is $50.00. No monthly fee. |
Sources (2)
All captured Oct 5, 2026
Who can join Guardian Credit Union
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