Guardian Credit Union (AL) Offers Top 60-Month CD, 3.30% APY


Deal Summary: 60-month CD, 3.30% APY, $500 minimum; 11-month No Penalty CD, 2.02% APY, $10k minimum, early closure only.

Availability: Residents of 13 central Alabama counties; active/retired Alabama Army or Air National Guard personnel.

Guardian Credit Union’s (Guardian) 60-month CD has been earning 3.30% APY for about 11 months. (CSR stated that no upcoming rate decreased had been announced, but as we all know, a good rate is only in effect until it isn’t.) The minimum opening deposit is $500, with no stated balance cap.

1.11%$500-Guardian Credit Union (AL)60 Month CD
1.11%$500-Guardian Credit Union (AL)60 Month IRA (Traditional, Roth, CESA)
Rates as of September 18, 2020.

The 60-month CD is also available as an IRA (Traditional, Roth, CESA), earning the same 3.30% APY with the same minimum deposit.

According to CSR, the Early Withdrawal Penalty is 180 days of interest on early closures; partial withdrawals are not permitted. Earned interested cannot be withdrawn before maturity.

11-month No Penalty CD

Like the 60-month CD APY, the 11-month No Penalty CD 2.02% APY has remained unchanged since October 2018. Unlike the 60-month CD, it requires a minimum $10k opening deposit. The “no penalty” feature applies only to an early closure, with no partial withdrawals allowed.

0.50%$10k-Guardian Credit Union (AL)11 Month No Penalty CD Special
Rates as of September 18, 2020.


Headquartered in Montgomery, Alabama, Guardian Credit Union’s field of membership (FOM) is primarily residency-based, with individuals who live, work, worship, or attend school in the Alabama counties of Autauga, Butler, Chilton, Coosa, Crenshaw, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, or Tallapoosa, eligible to join.

Active or retired Alabama Army or Air National Guard personnel also qualify for membership.

Joining Guardian and/or opening a CD can be done at any of the 15 Alabama branches located in Clanton, Greenville, Maplesville, Montgomery (6), Prattville (3), Tallassee, Troy, and Wetumpka.

Guardian requires its members to be at least 19 years old (or have a legal guardian on the account until the member’s 19th birthday) and open a Share Account with a minimum deposit of $1.

To serve you better, Guardian is part of a national network of cooperative credit unions called Shared Branching. This network provides our members with easy access to their Guardian accounts at more than 5,000 Shared Branch locations and nearly 30,000 surcharge free ATMs nationwide.

Credit Union Overview

Guardian Credit Union has an overall health grade of "A" at, with a Texas Ratio of 6.83% (excellent), based on June 30, 2019 data. In the past year, Guardian has increased its total non-brokered deposits by $34.5 million, an excellent annual growth rate of 8.27%. Please refer to our financial overview of Guardian Credit Union (NCUA Charter # 68374) for more details.

Guardian Credit Union was founded in 1958, for the benefit of Alabama’s National Guard members and their families, exclusively. Currently Alabama’s 11th largest credit, Guardian has more than 68,000 members and assets in excess of $509 million. On December 31, 2018, Guardian paid $587,600 in interest rebate/dividend bonuses to its members.

Giving back to our local community is important to Guardian and returning profits to members has become an important piece of the member relationship. With this year's cash back bonus, Guardian Credit Union has now given members more than $4.8 million dollars over the past eight years in the form of an interest rebate and bonus dividend.

How the CD Compares

When compared to 194 similar length-of-term CDs tracked by that require a similar minimum deposit and are available within the FOM, Guardian Credit Union's 5-year CD APY currently ranks first.

How the No Penalty CD Compares

When compared to the currently available No-Penalty CDs tracked by that are available within the FOM, Guardian Credit Union's 11-month No Penalty CD APY currently ranks third.

The above rates are accurate as of 9/6/2019.

To look for the best CD rates, both nationwide and state specific, please refer to our CD Rates Table.

Related Pages: Birmingham CD rates, Montgomery CD rates, 1-year CD rates, 5-year CD rates

Guardian Credit Union (AL) Unveils Ultimate Checking, 4.07% APY
Deal Summary: Ultimate Checking, 4.07% APY on qualifying balances up to $30k.

Availability: Residents of 13 central Alabama counties and active/retired Alabama Army or Air National Guard personnel.

Guardian Credit Union (Guardian) has unveiled a new rewards checking account (RCA) – the Ultimate Checking account, which earns 4.07% APY on qualifying balances up to $30k. Qualifying balances above $30k earn 0.50% APY, with non-qualifying balances earning no interest. There is no required minimum opening deposit.

Qualification Requirements

  • At least 15 debit card swipes per month.
  • A minimum monthly payroll direct...
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