GUARDIAN TRUSTFEDERAL CREDIT UNION

Current Rates

Rates effective March 16, 2026. Rates are subject to change without notice.

Savings & Deposit Accounts

ProductMin. BalanceRate
Share Savings$51.50% APY
High-Yield Savings$5004.75% APY
Money Market ($0–$2,499)$02.25% APY
Money Market ($2,500+)$2,5003.95% APY
Interest Checking$1,5000.15% APY

Share Certificates (CDs)

TermMin. DepositRate
3 Months$5004.25% APY
6 Months$5004.60% APY
12 Months$5005.10% APY
24 Months$5004.85% APY
36 Months$5004.50% APY
60 Months$5004.25% APY

Consumer Loans

ProductRate
New Auto (up to 36 mo)5.24% APR
New Auto (37–60 mo)5.74% APR
Used Auto (up to 36 mo)5.74% APR
Personal Loan8.99% APR
Home Equity Loan7.25% APR
HELOC7.99% APR

Mortgage Loans

ProductRate
30-Year Fixed6.49% APR
15-Year Fixed5.99% APR
5/1 ARM5.75% APR
FHA 30-Year6.75% APR

APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are effective as of the date shown and subject to change without notice. All accounts subject to approval. Membership required.

All loan products are subject to credit approval. Rates, terms, and conditions vary based on creditworthiness and other factors. Not all applicants will qualify for the lowest rate.

Mortgage rates are subject to change daily. Rates displayed are for illustrative purposes only. Contact a loan officer for current rates and to determine your eligibility.