# Guardian Credit Union Assurance Checking: 5.00% APY

Canonical: https://dealaka.com/offers/guardian-credit-union-assurance-checking-rate

- Status: Limited reports
- Bonus: 5.00% APY
- APY: 5.00% (ongoing APY on first $500)
- Requirement: $2,500 min daily balance, direct deposit $200+
- Expires: no published end date
- Availability: WI (WI)
- Institution: Guardian Credit Union
- Verified: Aug 10, 2026 against guardiancu.org
- Field reports: 0

## 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.

## Requirements
1. Apply through the offer page to open the Assurance Checking.
2. Complete the requirement: $2,500 min daily balance, direct deposit $200+.

## Fine print that matters
- 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.

## Sources
- guardiancu.org rate page <https://www.guardiancu.org/savings-and-checking/checking-accounts> (checked Aug 10, 2026)

_This entry is reference information, not financial advice. Confirm current terms on the institution's site before you apply._