--- title: "Guardians Credit Union Rates (Nov 2026): Mortgage 6.54%" description: "Guardians Credit Union rates today: 30 year fixed mortgage 6.54% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Guardians Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/florida/guardians" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Guardians Credit Union Rates (Nov 2026): Mortgage 6.54% ### Mortgage rates 7 offers | Product | Published | Rate | Term / condition | Status | | **VA 30 Year Fixed - Conforming** 30 year fixed | 6.535% APR | 6.375% | — | Standard | | **30-Year Fixed** 30 year fixed | 6.662% APR | 6.500% | — | Standard | | **FHA 30-Year Fixed - Conforming** 30 year fixed | 6.948% APR | 6.250% | — | Standard | | **Jumbo 30-Year Fixed** 30 year fixed | 7.225% APR | 7.125% | — | Standard | | **15-Year Fixed** 15 year fixed | 6.387% APR | 6.125% | — | Standard | | **Jumbo 15-Year Fixed** 15 year fixed | 7.663% APR | 7.500% | — | Standard | | **20-Year Fixed** 20 year fixed | 6.586% APR | 6.375% | — | Standard | Guardians Credit Union mortgage rates as of November 12, 2026 As of November 12, 2026, Guardians Credit Union offers a 30-year fixed mortgage at 6.535% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/florida/guardians) , verified from [Guardians Credit Union's official website](https://www.guardianscu.coop/) Best product position **Better than the Florida median** 30-year fixed mortgage Gap to state best **16 bp** 16 bp from state best Vs. state median **41 bp better than median** 30-year fixed mortgage Products ranked **2** across tracked Florida markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 6.54% | Better than the Florida median | 16 bp from state best | 41 bp better than median | | 15-year fixed mortgage | 6.39% | Room to improve vs. the Florida median | 38 bp from state best | 14 bp behind median | Published rate position by product as of November 13, 2026 This is the public snapshot. Claim Guardians Credit Union's profile to see the full product-by-product breakdown, how the gap to the state best has moved over time, and the near-misses where a small change would move you up. [See the full breakdown →](https://rateapi.dev/for-credit-unions/claim?cu=guardians&state=florida&code=FL&name=Guardians%20Credit%20Union) Loading branch locator… ## About Guardians Credit Union Institution facts reported to the National Credit Union Administration for Invalid Date. Members 36.3K Assets $309.5M Founded 1991 Locations reported 6 NCUA charter 67521 Charter type Federally insured state-chartered credit union ### Services and member support - Online membership application - Online loan application - Open an account online - Electronic statements - Mobile check deposit - Mobile payments - Financial counseling - Financial education - Bilingual services - Student scholarships - Credit-builder products Source: [NCUA quarterly call report](https://ncua.gov/analysis/credit-union-corporate-call-report-data/quarterly-data) . Services are institution-reported; confirm availability with the credit union. ### Other credit unions with branches nearby Compare membership, services, and rates from other institutions with an NCUA-reported branch nearby. [**Gold Coast** Main Office · Palm Springs · FL · 33406-7606 Branch in the same ZIP](https://rateapi.dev/credit-unions/florida/gold-coast) [**First Choice** Main Office · West Palm Beach · FL · 33406-5195 About 0.3 miles away](https://rateapi.dev/credit-unions/florida/first-choice) [**Dort Financial** WEST PALM FOREST HILL BRANCH · WEST PALM BEACH · FL · 33406 About 1.2 miles away](https://rateapi.dev/credit-unions/michigan/dort-financial) [**Firefighters First** West Palm Beach Regional Office · Palm Springs · FL · 33461-3753 About 2.9 miles away](https://rateapi.dev/credit-unions/california/firefighters-first) [**Ithink Financial** Military Trail · West Palm Beach · FL · 33409-2916 About 4.0 miles away](https://rateapi.dev/credit-unions/florida/ithink-financial) [**Tropical Financial** West Palm Beach · West Palm Beach · FL · 33411 About 4.6 miles away](https://rateapi.dev/credit-unions/florida/tropical-financial) Nearest-first estimates use the center of your Census ZIP area and NCUA-reported branch locations. Distances are straight-line estimates, not driving distance. ## Who Can Join Guardians Credit Union Membership eligibility from Guardians Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Guardians Credit Union's website. Check the membership page below to confirm whether you qualify. - Location palm beach — FL Verified from [Guardians Credit Union's membership page](https://www.guardianscu.coop/about/apply/join/) . Final membership determination is always made by the credit union. ## Membership rules for Guardians Credit Union Geography 1 county 2 published paths to membership, last verified August 27, 2026, quoted from Guardians Credit Union’s own published criteria. ### Geography 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified August 27, 2026 - Palm Beach County, FL “If you live or work in Palm Beach County, I HIGHLY recommend opening an account here!” > [source ↗](https://www.guardianscu.coop/about/apply/join/) Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. [How we verify membership rules](https://rateapi.dev/eligibility-methodology) . Final membership determination is always made by the credit union. Is this right for Guardians Credit Union? Yes No ## Work at Guardians Credit Union? This page is seen by prospective members comparing rates — and by the AI assistants they ask. Claim this profile to correct or update rates, add missing products, and get your free rate scorecard showing where Guardians Credit Union ranks against Florida peers. - See which AI assistants fetched Guardians Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Florida - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=guardians&state=florida&code=FL&name=Guardians%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## Frequently Asked Questions ### What rates does Guardians Credit Union offer? Guardians Credit Union currently offers mortgage rates. The rates shown on this page were last verified November 12, 2026 directly from the credit union's official website. ### How often are Guardians Credit Union rates updated? RateAPI verifies Guardians Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified November 12, 2026. ### Where does RateAPI get Guardians Credit Union's rate data? Rate data is collected directly from Guardians Credit Union's official website. RateAPI has no pay-to-rank incentives; see the methodology page for how rates are collected and normalized. ### What is Guardians Credit Union's mortgage rate? As of November 12, 2026, Guardians Credit Union offers a 30-year fixed mortgage at 6.535% APR. ### Who can join Guardians Credit Union? Guardians Credit Union publishes its membership criteria on its own website. RateAPI tracks 2 published membership paths covering 1 county for Guardians Credit Union, each quoted from Guardians Credit Union's own published membership criteria. ## Related Rate Data Compare Guardians Credit Union's rates against national credit-union benchmarks. [More Florida credit unions](https://rateapi.dev/credit-unions/florida) [Florida mortgage rate leaders](https://rateapi.dev/mortgage-rates/florida) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [How we verify rates](https://rateapi.dev/methodology) ### Source Information Rate data is scraped directly from the credit union's official website and verified daily by our automated systems. [View Original Source](https://www.guardianscu.coop/) ### Methodology Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives. [View Methodology](https://rateapi.dev/methodology) ## Track Guardians Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Florida credit union rates move. Get a free API key [Daily rate email](https://rateapi.dev/daily-rate-emails) ## Use it via API Access this data programmatically with our REST API terminal ``` # Get rates for Guardians Credit Union curl "https://api.rateapi.dev/credit-unions/florida /guardians " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Guardians Credit Union locations Search, filter, and browse all 6 NCUA-reported locations. Use my location Search branches Apply Sort near a ZIP **Loading branches…** Branch services ATM Drive-through Member services Shared branch Skip to main content --- Source: https://rateapi.dev/credit-unions/florida/guardians Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp