*APY = Annual Percentage Yield. 12-month share certificate offer for a limited time. The minimum opening deposit required to earn the advertised APY is $25,000 and cannot exceed $250,000 per member. After your account is opened and your initial deposit is made, you may not make additional deposits to your certificate. Early withdrawal penalty is 180 days interest. Fees may reduce earnings on an account. At maturity, the funds will be credited to the member's share account. All current members who refer a new member who opens an account and takes advantage of our direct deposit, debit card, or 5% 12-Month Share Certificate benefits from October 1, 2023 through December 31, 2023 will receive $75 in the form of a cash deposit into their Guardians Credit Union account if the referred account remains open and active for a minimum of 30 days. Employees of the credit union and its subsidiaries are not eligible. Must be a member in good standing. Must be 18 years or older. This offer may be withdrawn without notice. For more information call 561-686-4006.