Credit union · NCUA insured
Guardians Credit Union Savings Rates
Guardians Credit Union’s best savings rate is 0.45% APY on $10,000, with its Money Market. Rates checked October 15, 2026.
How Guardians Credit Union’s savings 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
0.45%APY
- Requires
- None
- Minimum
- $1,000
- Earns on $10,000 a year
- $45
Money Market
Top rate
JM Associates FCU
5.12%APY
- Requires
- None
- Minimum
- —
- Earns on $10,000 a year
- $512
2nd-highest rate
HSBC USA
4.40%APY
- Requires
- Monthly account activity
- Minimum
- —
- Earns on $10,000 a year
- $440
Guardians Credit Union savings score
77
Savings score
Higher than 44% of U.S. banks and credit unions
- $1,000 balance$1,0000.45%
- $10,000 balance$10,0000.45%
- $100,000 balance$100,0000.45%
- QualifiedQualified0.45%
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 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.
Money Market
0.45%APY
Up to three withdrawals per month. Rates and yields depend upon relationship tier. Account rates are variable. Interest compounded quarterly.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $1,000 and upInterest compounded quarterly. Rates and yields depend upon relationship tier. Account rates are variable. Fees may reduce earnings. APY = As High As Annual Percentage Yield.$1,000 and up | 0.45% | $45 | Interest compounded quarterly. Rates and yields depend upon relationship tier. Account rates are variable. Fees may reduce earnings. APY = As High As Annual Percentage Yield. |
Sources (2)
All captured Sep 18, 2026
Primary Savings Account
0.30%APY
Quarterly dividends; low $25 minimum deposit to open and maintain account; represents share/membership in Guardians Credit Union.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upInterest compounded quarterly; rates and yields depend upon relationship tier; account rates are variable; fees may reduce earnings.$25 and up | 0.30% | $30 | Interest compounded quarterly; rates and yields depend upon relationship tier; account rates are variable; fees may reduce earnings. |
Sources (2)
All captured Sep 18, 2026
Special-purpose accounts
Holiday Club Account
0.30%APY
Funds automatically transferred around November 15 to your savings or checking; automatic or manual deposits based on preference.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance/deposit to open; earns the same rate as a Share Savings Account; interest compounded quarterly; rates and yields depend upon relationship tier; account rates are variable.Any balance | 0.30% | $30 | No minimum balance/deposit to open; earns the same rate as a Share Savings Account; interest compounded quarterly; rates and yields depend upon relationship tier; account rates are variable. |
Sources (2)
All captured Sep 18, 2026
Vacation Club Account
0.30%APY
One penalty-free withdrawal per year; automatic or manual deposits based on preference.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance/deposit to open; earns the same rate as a Share Savings Account; interest compounded quarterly; rates and yields depend upon relationship tier; account rates are variable.Any balance | 0.30% | $30 | No minimum balance/deposit to open; earns the same rate as a Share Savings Account; interest compounded quarterly; rates and yields depend upon relationship tier; account rates are variable. |
Sources (2)
All captured Sep 18, 2026
Who can join Guardians Credit Union
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