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  1. Rates are effective as of today, may change at any time, and are subject to qualification and creditworthiness. APR stated assumes $200,000 loan with 25% down payment and a minimum qualified credit score. Published rates are available for credit scores of 780 or higher.

  2. No account maintenance fees. Deposits up to $2,000 can be made annually. Withdrawals for qualified education expenses are tax-free. Review current rates and terms. Guardian CD's are just one of the many investing solutions to help your money work harder for you.

  3. Effective May 17, 2024. Deposit Specials: Standard Rates: * Penalties may be applied for early withdrawal. **Higher penalty may be applied for early withdrawal. ^Guardian Checking required to open account. † Monthly minimum of $250 in debit card spending and 15 debit card transactions required to qualify.

  4. APY is Annual Percentage Yield. Minimum deposit to open a Certificate of Deposit is $250. APY for all accounts is based on a 365-day year and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings.

  5. Accelerate your savings, today! You’ll be able to save more, faster, and have more predictable returns. For wherever life takes you. All Certificate Rates. Save at a higher rate with a certificate.

  6. Savings. Learn more about our dividend rates for Savings, Clubs and Money Market accounts. Share Certificates. Compare dividend rates for our Share Certificates and Share IRA Certificates. Vehicle Loans. Find rates for new and used vehicles, motorcycles, boats, RVs and more. Personal Loans.

  7. Advantage Money Market. For growing your money faster while maintaining liquidity. $5,000 minimum balance. No monthly fee if $5,000 balance is maintained. Tiered interest rates beginning at $5,000. Certificates of Deposit. Offering less liquidity with set terms for deposit length. $250 minimum balance. No monthly fee.

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