Credit union · NCUA insured
Guardian Credit Union CD Rates
Top CarrotA $1.2B credit union, the 404th largest of 4,329, headquartered in Prattville, AL, with 94,635 members and 16 branches in Alabama.
How Guardian Credit Union’s CD rates compare
Compared with banks and credit unions near Montgomery, AL, where Guardian Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Guardian Credit Union
4.35%APY
- Term
- 13 months
- Minimum
- $10,000
- Earns on $10,000
- $472
Certificate of Deposit
Top rate
Auburn University Credit Union
4.50%APY
- Term
- 42–47 months
- Minimum
- $2,500
- Earns on $10,000
- —
2nd-highest rate
MAX Credit Union
4.32%APY
- Term
- 15 months
- Minimum
- $10,000
- Earns on $10,000
- $543
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Special-purpose accounts
Certificate of Deposit
Up to 4.35%APY · 9 terms
Minimum deposit of $500 unless otherwise stated. Terms range from 6-60 months. Dividends paid monthly into the CD account. Early withdrawal may result in a penalty charge. Fee percentage is calculated based on account balance at time of withdrawal.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $188 |
| 7 monthsCD & IRA CD Special. Dividends paid monthly. Higher penalty may be applied for early withdrawal | 4.15% | $240 |
| 12 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $380 |
| 13 monthsCD & IRA CD Special. Dividends paid monthly. Higher penalty may be applied for early withdrawal | 4.35% | $472 |
| 18 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $575 |
| 24 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $774 |
| 36 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $1,184 |
| 48 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $1,609 |
| 60 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $2,050 |
Sources (2)
All captured Oct 5, 2026
IRA Certificate of Deposit
Up to 4.35%APY · 9 terms
Can be set up as fixed-rate certificates of deposit under Traditional or Roth IRAs. NCUA insured up to $250,000. Required Minimum Distributions (RMD) and IRS rules/penalties apply.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $188 |
| 7 monthsCD & IRA CD Special. Dividends paid monthly. Higher penalty may be applied for early withdrawal | 4.15% | $240 |
| 12 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $380 |
| 13 monthsCD & IRA CD Special. Dividends paid monthly. Higher penalty may be applied for early withdrawal | 4.35% | $472 |
| 18 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $575 |
| 24 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $774 |
| 36 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $1,184 |
| 48 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $1,609 |
| 60 monthsDividends paid monthly. Penalties may be applied for early withdrawal | 3.80% | $2,050 |
Sources (2)
All captured Oct 5, 2026
Who can join Guardian Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Autauga, Butler, Chilton, Coffee, Coosa, Covington, Crenshaw, Dale, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, or Tallapoosa County, Alabama.
Membership information collected October 4, 2026.