Florida CD rates › Credit unions › Guardians
Credit union · HQ West Palm Beach, FL
✓ Verified 2026-10-01 from their own posted rate sheet
Guardians currently posts 3 CD rates from 3.25% to 3.25% APY.
| Term | APY | Minimum | The catch / conditions |
|---|---|---|---|
| 6 mo | 3.25% promo | $10k | Short Term Share Certificate Special — Limited time offer; $10,000 minimum opening deposit; no additional deposits; early withdrawal penalty 90 days interest; renews into regular certificate at preva |
| 9 mo | 3.25% promo | $10k | Short Term Share Certificate Special — Limited time offer; $10,000 minimum opening deposit; no additional deposits; early withdrawal penalty 90 days interest |
| 1 yr | 3.25% promo | $10k | Short Term Share Certificate Special — Limited time offer; $10,000 minimum opening deposit; no additional deposits; early withdrawal penalty 90 days interest |
Anyone who lives or works in Palm Beach, Martin or St. Lucie County — or in parts of Miami-Dade (check your address with the credit union) — can join, plus family of members. Counties: Palm Beach, Martin, St. Lucie, Miami-Dade. Family of existing members can generally join too.
6 branches in 3 counties: Miami-Dade (Miami) · Palm Beach (Boynton Beach, West Palm Beach) · Saint Lucie (Fort Pierce)
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