Credit union · NCUA insured
Guardians Credit Union CD Rates
Guardians Credit Union’s best CD rate is 3.25% APY on a 6-month share certificate (CD). Terms run from 6 months to 5 years. Rates checked October 15, 2026.
How Guardians Credit Union’s CD rates compare
Compared with banks and credit unions near Miami, FL, where Guardians Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Guardians Credit Union
3.25%APY
- Term
- 6 months
- Requires
- None
- Minimum
- $10,000
- Earns on $10,000
- $161
Promotional Share Certificate
Top rate
Dort Financial Credit Union
5.00%APY
- Term
- 11 months
- Requires
- Another account
- Minimum
- $5,000
- Earns on $10,000
- $457
2nd-highest rate
BrightStar Credit Union
5.00%APY
- Term
- 60 months
- Requires
- Another account
- Minimum
- —
- Earns on $10,000
- $2,763
Guardians Credit Union CD score
66
CD score
Higher than 15% of U.S. banks and credit unions
- 3–8 months3–8 mo3.25%
- 9–15 months9–15 mo3.25%
- 16–30 months16–30 mo0.55%
- 31–60 months31–60 mo0.65%
- QualifiedQualified3.25%
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 Guardians 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.
Promotional Share Certificate
3.25%APY · 3 terms
Promotional rates are available for a limited time and offer may be withdrawn without notice. Early withdrawal penalty is 90 days interest. Fees may reduce earnings. After account is opened and initial deposit is made, no additional deposits allowed. At maturity, certificate automatically renews into a regular 6, 9, or 12-month certificate at prevailing rate. Interest compounded monthly.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsLimited-time promotional rate. Interest compounded monthly | 3.25% | $161 |
| 9 monthsLimited-time promotional rate. Interest compounded monthly | 3.25% | $243 |
| 12 monthsLimited-time promotional rate. Interest compounded monthly | 3.25% | $325 |
Sources (3)
- guardianscu.coop
- guardianscu.coop/personal/prom…icates/share-certificate
- guardianscu.coop/personal/rates/savings
All captured Sep 18, 2026
Share Certificate
Up to 0.65%APY · 6 terms
Fixed rate locked in for the full term. Flexible dividend options (compound or receive monthly). Early withdrawal penalties may apply. Fees may reduce earnings. $1,000 minimum deposit to open.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.45% | $22 |
| 12 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.55% | $55 |
| 30 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.55% | $138 |
| 36 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.65% | $196 |
| 48 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.65% | $263 |
| 60 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.65% | $329 |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Share IRA Certificate
Up to 0.65%APY · 4 terms
Available for Traditional and Roth IRAs. Early withdrawal penalties may apply. Fees may reduce earnings.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 6 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.45% | $22 |
| 12 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.55% | $55 |
| 30 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.55% | $138 |
| 36 monthsInterest compounded monthly. Rates and yields depend upon relationship tier | 0.65% | $196 |
Sources (2)
All captured Sep 18, 2026
Who can join Guardians Credit Union
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