{"slug":"guardian-credit-union-assurance-checking-rate","category":"bank","institutionSlug":"guardian-credit-union","product":"Assurance Checking","title":"Guardian Credit Union Assurance Checking: 5.00% APY","bonus":"5.00% APY","unit":"cash","amount":0,"reqShort":"$2,500 min daily balance, direct deposit $200+","expiresOn":null,"status":"live","verifiedOn":"2026-08-10","reports":0,"openIssues":0,"states":["WI"],"referralGated":false,"hardPull":false,"chex":"Pending verification","fee":"","keep":"","posts":"","applyDomain":"guardiancu.org","applyUrl":"https://www.guardiancu.org/savings-and-checking/checking-accounts","summary":"Assurance Checking earns 5.00% APY on the first $500 and 0.01% APY on balances above $500. To earn interest you must maintain a minimum daily balance of $2,500 and receive at least one direct deposit of $200 or more per month; if requirements are not met you earn no interest that month but can qualify again next month.","reqSteps":[],"finePrint":["Higher rates: 5.00% APY on the first $500, and 0.01% APY on anything more than $500.","Maintain a minimum daily balance of $2,500","Have at least one direct deposit of $200 or more made to your account during the month","If you don't meet these requirements, you won't earn interest for the month, but you will be able to earn again in the next month, if requirements are met."],"apy":500,"apyTerm":"ongoing APY on first $500","listedOn":"2026-08-10","listedAt":"2026-08-10T13:10:46.251Z","memberReports":[],"history":[],"ruleIds":[],"sources":[{"label":"guardiancu.org rate page","url":"https://www.guardiancu.org/savings-and-checking/checking-accounts","checkedOn":"2026-08-10"}],"needsVerification":false}