Credit union · NCUA insured
Guardian Credit Union Savings Rates
Top CarrotGuardian Credit Union’s best savings rate is 3.25% APY on $10,000, with its Money Market+. Rates checked October 22, 2026.
How Guardian Credit Union’s savings 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
4.00%APY
- Requires
- Monthly account activity
- Minimum
- $10
- Earns on $10,000 a year
- $400
High-Yield Savings
2nd-highest rate
SmartBank
4.00%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $400
3rd-highest rate
Huntington Bank
3.25%APY
- Requires
- Another account
- Minimum
- $100
- Earns on $10,000 a year
- $325
Guardian Credit Union savings score
94
Savings score
Higher than 96% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0003.25%
- $100,000 balance$100,0003.25%
- QualifiedQualified4.00%
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 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.
Round-Up Savings
5.10%APY
Guardian Checking required to open account.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceGuardian Checking required to open account. Dividends paid quarterly.Any balance | 5.10% | $510 | Guardian Checking required to open account. Dividends paid quarterly. |
Sources (1)
- myguardiancu.com/deposit-rates · captured Oct 5, 2026
High-Yield Savings
4.00%APY
Requires opening an Ultimate Checking account and meeting monthly account requirements to earn dividends. 2 withdrawals per month; additional withdrawals may incur a fee. No monthly service fees. $10 minimum deposit required when opened online.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $10,000 and upRequires $10,000 average daily balance and meeting Ultimate Checking monthly objectives to earn dividends. Dividends paid monthly.$10,000 and up | 4.00% | $400 | Requires $10,000 average daily balance and meeting Ultimate Checking monthly objectives to earn dividends. Dividends paid monthly. |
Sources (3)
- myguardiancu.com/deposit-rates
- myguardiancu.com/accounts/savings/high-yield-savings
- myguardiancu.com/accounts/savings/savings-accounts
All captured Oct 5, 2026
Money Market+
3.25%APY
Daily balance of $2,500 required; account has checkbook feature.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $2,500 – $10,000Daily balance required: $2,500 to $9,999.99. | 3.25% | — | Daily balance required: $2,500 to $9,999.99. |
| $10,000 – $25,000Daily balance required: $10,000 to $24,999.99. | 3.25% | $325 | Daily balance required: $10,000 to $24,999.99. |
| $25,000 – $100,000Daily balance required: $25,000 to $99,999.99. | 3.25% | — | Daily balance required: $25,000 to $99,999.99. |
| $100,000 – $250,000Daily balance required: $100,000 to $249,999.99. | 3.25% | — | Daily balance required: $100,000 to $249,999.99. |
| $250,000 – $500,000Daily balance required: $250,000 to $499,999.99. | 3.25% | — | Daily balance required: $250,000 to $499,999.99. |
| $500,000 and upDaily balance required: $500,000 and up. | 3.25% | — | Daily balance required: $500,000 and up. |
Sources (2)
All captured Oct 5, 2026
Primary Share Account
0.20%APY
Primary Share Account establishes membership in the credit union. No monthly service fees. Dividends earned quarterly on average daily balances above $100. Online opening minimum is $1.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,999Average daily balance $100 - $2,999; dividends paid quarterly. | 0.10% | — | Average daily balance $100 - $2,999; dividends paid quarterly. |
| $3,000 and upAverage daily balance > $3,000; dividends paid quarterly. | 0.20% | $20 | Average daily balance > $3,000; dividends paid quarterly. |
Sources (2)
All captured Oct 5, 2026
Special-purpose accounts
Variable Rate IRA
1.00%APY
Individual Retirement Account available as Traditional IRA, Roth IRA, or Coverdell Education Savings Account. Rates subject to change quarterly. $10 minimum deposit required when opened online.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceRates subject to change quarterly; dividends paid quarterly.Any balance | 1.00% | $100 | Rates subject to change quarterly; dividends paid quarterly. |
Sources (3)
- myguardiancu.com/deposit-rates
- myguardiancu.com/accounts/savings/iras
- myguardiancu.com/accounts/savings/savings-accounts
All captured Oct 5, 2026
Christmas Club
0.20%APY
No minimum balance. No monthly service fees. Deposits and transfers allowed at any time. Dividends earned quarterly. $10 minimum deposit required when opening online.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,999Average daily balance $100 - $2,999; dividends paid quarterly. | 0.10% | — | Average daily balance $100 - $2,999; dividends paid quarterly. |
| $3,000 and upAverage daily balance > $3,000; dividends paid quarterly. | 0.20% | $20 | Average daily balance > $3,000; dividends paid quarterly. |
Sources (2)
All captured Oct 5, 2026
Youth Savings
0.20%APY
Available for children age 18 and under with a parent added as a joint account holder. No monthly service fees. Dividends earned quarterly on average daily balance above $100. $10 minimum deposit required when opened online, $1 minimum when opened at branch.
| Balance | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 – $2,999Average daily balance $100 - $2,999; dividends paid quarterly. | 0.10% | — | Average daily balance $100 - $2,999; dividends paid quarterly. |
| $3,000 and upAverage daily balance > $3,000; dividends paid quarterly. | 0.20% | $20 | Average daily balance > $3,000; dividends paid quarterly. |
Sources (3)
- myguardiancu.com/accounts/youth/youth-savings
- myguardiancu.com/deposit-rates
- myguardiancu.com/accounts/savings/savings-accounts
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.