Guardian Credit Union

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In order to get started, select an account that works for you.

Primary Share
A Share Account – which is like a traditional savings account – is opened with a minimum deposit of $1 for all credit union members. As a member of the credit union, your Share Account represents the ownership you have in the company.
  • No monthly service fees
  • 24/7 account access via online banking, Guardian Mobile App, and telephone banking
  • Free Bill Pay
  • E-Statements
  • Direct Deposit & Payroll deductions
Personalized Share
A Personalized Share Account can be used as a secondary and customizable savings account, in addition to your Primary Share Account.
  • No monthly service fees
  • 24/7 account access via online banking, Guardian Mobile App, and telephone banking
  • Free Bill Pay
  • E-Statements
  • Direct Deposit & Payroll deductions
Christmas Club
Minimize holiday stress by saving all year long. Plan ahead for the Christmas Season with a Christmas Club Account and enter the holidays prepared.
  • Save automatically with free direct deposit
  • Deposits into the account allowed at any time
Guardian Checking
Looking to save extra? Guardian Checking with Round-Up Savings can help you take it up a notch.
  • Round up purchase amounts to the next dollar every time you swipe your debit card
  • The change will be automatically deposited into your Round-Up Savings Account
  • Guardian will match 50% of your Round-Up Savings for the first 90 days and 5% each month thereafter
  • Guardian will deposit $10 for every $100 saved in a Round-Up Savings account*
  • No monthly requirements
Money Market
Grow your savings faster and earn a competitive rate with a Money Market account. The higher your balance, the more you’ll earn. Guardian Money Market accounts also include a checkbook feature, which allows you to write checks from your account.
  • Minimum balance of $2,500 required to start earning dividends
  • Earn monthly dividends at a tiered rate
  • Free online, mobile and telephone banking
  • Make deposits into your account anytime
Simplified Checking
Just getting started? Simplified Checking provides the money movement and management without the fuss.
  • Daily money management made simple
  • Packed with tools and protections that make your financial experience safe and easy
  • No monthly requirements
Ultimate Checking
Keep a higher balance? Get the Ultimate return. 4.50% APY* to be exact.
  • Spend $250 per month minimum
  • Swipe 15 times per month with your Guardian debit card
  • Earn 4.50% APY monthly on balances up to $15,000
  • $6/month ATM refund automatically credited to your account
Consumer Certificate of Deposit
Guardian offers three types of Certificates of Deposit (CD) to members. Choose from a traditional CD, IRA (In-branch only), or ESA CD (In branch only)
  • Minimum deposit of $500 unless otherwise stated
  • Terms range from 6-60 months.
  • Early withdrawal may result in a penalty charge. Fee percentage is calculated based on account balance at time of withdrawal.
  • Interest paid monthly into the CD account.
  • Money can be withdrawn in full once maturity has been reached.
6 Month CD
High Yield Savings
Our High-Yield Savings Account is designed to help you reach your financial goals faster. Put your additional deposits to work for you without losing access to your funds and take your savings to a whole new level.
  • Earn 4.00% APY* monthly on average daily balances greater than $10,000
  • No monthly fees
  • No maximum deposit limits
  • Additional Share Insurance may be available for balances greater than $250,000
  • Ultimate Checking account required