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
  • Penalty-free withdrawals can be made October 15 - January 15
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. 5% APR* to be exact.
  • Spend $250 per month minimum
  • Swipe 15 times per month with your Guardian debit card
  • Earn 5% APR 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