Guardian Credit Union
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Verified rate book
Current Guardian Credit Union rates
21 published offers verified as of August 21, 2026.
Mortgage rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 30-Year Fixed30 year fixed | 6.790% APR | 6.750% | — | Standard |
Auto & vehicle rates
2 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| 6-Month Auto Loanauto_any_6mo | 4.340% APR | 4.340% | 6 mo | Standard |
| Recreational Loanpowersports | 6.740% APR | 6.740% | — | Standard |
HELOC rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| HELOC (Variable)heloc_variable | 6.250% APR | 6.250% | — | Standard |
Credit card rates
1 offer| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Credit Cardcredit_card | 11.490% APR | 11.490% | — | Standard |
Savings & CD rates
16 offers| Product | Published | Rate | Term / condition | Status |
|---|---|---|---|---|
| Shares (Regular Savings)savings | 0.01% APY | 0.01% | — | Standard |
| Christmas Club*savings | 0.05% APY | 0.05% | — | Specialty offer |
| 2-Month Certificatecd_2mo | 0.25% APY | 0.25% | 2 mo | Standard |
| 3-Month Certificatecd_3mo | 0.50% APY | 0.50% | 3 mo | Standard |
| $5,000-$30,000savings | 0.50% APY | 0.50% | — | Standard |
| $30,000.01-$75,000savings | 1.00% APY | 1.00% | — | Standard |
| 6-Month Certificatecd_6mo | 1.00% APY | 1.00% | 6 mo | Standard |
| 12-Month Certificatecd_12mo | 1.49% APY | 1.49% | 12 mo | Standard |
| $75,000.01-$125,000savings | 1.49% APY | 1.49% | — | Standard |
| 18-Month Certificatecd_18mo | 1.74% APY | 1.74% | 18 mo | Standard |
| $125,000.01-$200,000savings | 1.98% APY | 1.98% | — | Standard |
| 36-Month Certificatecd_36mo | 1.98% APY | 1.98% | 36 mo | Standard |
| 60-Month Certificatecd_60mo | 1.98% APY | 1.98% | 60 mo | Standard |
| 24-Month Certificatecd_24mo | 1.98% APY | 1.98% | 24 mo | Standard |
| 48-Month Certificatecd_48mo | 1.98% APY | 1.98% | 48 mo | Standard |
| $200,000.01 Or Moresavings | 2.47% APY | 2.47% | — | Standard |
As of August 21, 2026, Guardian Credit Union offers a 30-year fixed mortgage at 6.79% APR. Vehicle loans available from 4.34% APR for 6 months. HELOC rates from 6.25% APR. Credit card rates from 11.49% APR. Savings and certificate yields up to 2.47% APY.
Source: RateAPI.dev, verified from Guardian Credit Union's official website
Live market position · Rates as of August 21, 2026
Where Guardian Credit Union ranks in Wisconsin
How Guardian Credit Union's current published rate compares with other Wisconsin credit unions we track in the same product. State best and median come from RateAPI's verified rate book; only products with enough tracked lenders to rank are shown.
| Product | Published APR | Position | Vs. state best | Vs. state median |
|---|---|---|---|---|
| 30-year fixed mortgage | 6.79% | Room to improve vs. the Wisconsin median | 42 bp from state best | 3 bp behind median |
| HELOC | 6.25% | Better than the Wisconsin median | 150 bp from state best | 25 bp better than median |
This is the public snapshot. Claim Guardian 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 →Loading branch locator…
About Guardian Credit Union
Institution facts reported to the National Credit Union Administration for Invalid Date.
- Members
- 25.1K
- Assets
- $291.2M
- Founded
- 1934
- Locations reported
- 7
- NCUA charter
- 66638
- 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 education
- First-time homebuyer program
- Bilingual services
- Student scholarships
Source: NCUA quarterly call report. 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.
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 Guardian Credit Union
Membership eligibility from Guardian Credit Union's own published criteria. How we verify this.
Membership criteria are published on Guardian Credit Union's website. Check the membership page below to confirm whether you qualify.
Verified from Guardian Credit Union's membership page. Final membership determination is always made by the credit union.
Membership rules for Guardian Credit Union
Employers 2 · Family
3 published paths to membership, last verified August 21, 2026, quoted from Guardian Credit Union’s own published criteria.
Employers 2
Human-reviewed
Employee of P&H Mining Equipment
- Employee of P&H Mining Equipment
“Guardian Credit Union membership is open to employees and retirees of P&H Mining Equipment”
source ↗Retiree of P&H Mining Equipment
- Retired employee of P&H Mining Equipment
“Guardian Credit Union membership is open to employees and retirees of P&H Mining Equipment”
source ↗
Family 1
Human-reviewed
Family member of a member
- Family of a member
“or who have immediate family who do.”
source ↗
Every rule cites the exact sentence it came from; absence of evidence means unknown, never no. How we verify membership rules. Final membership determination is always made by the credit union.
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Frequently Asked Questions
What rates does Guardian Credit Union offer?
Guardian Credit Union currently offers mortgage, vehicle loan, HELOC, and credit card rates. The rates shown on this page were last verified August 21, 2026 directly from the credit union's official website.
How often are Guardian Credit Union rates updated?
RateAPI verifies Guardian Credit Union's rates daily by scraping its official website, then normalizing the data. The figures on this page were last verified August 21, 2026.
Where does RateAPI get Guardian Credit Union's rate data?
Rate data is collected directly from Guardian 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 Guardian Credit Union's mortgage rate?
As of August 21, 2026, Guardian Credit Union offers a 30-year fixed mortgage at 6.79% APR.
What are Guardian Credit Union's auto & powersports loan rates?
As of August 21, 2026, Guardian Credit Union offers vehicle loans from 4.34% APR.
What is Guardian Credit Union's HELOC rate?
As of August 21, 2026, Guardian Credit Union offers home equity lines of credit from 6.25% APR.
What is Guardian Credit Union's best CD rate?
As of August 21, 2026, Guardian Credit Union offers savings and certificate (CD) yields up to 2.47% APY.
Who can join Guardian Credit Union?
Guardian Credit Union publishes its membership criteria on its own website. RateAPI tracks 3 published membership paths covering 2 employers for Guardian Credit Union, each quoted from Guardian Credit Union's own published membership criteria. Immediate family of an existing member also qualify.
Related Rate Data
Compare Guardian Credit Union's rates against national credit-union benchmarks.
Source Information
Rate data is scraped directly from the credit union's official website and verified daily by our automated systems.
View Original SourceMethodology
Learn how we collect, normalize, and verify rate data with full transparency and no pay-to-rank incentives.
View MethodologyTrack Guardian Credit Union rates
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# Get rates for Guardian Credit Union
curl "https://api.rateapi.dev/credit-unions/wisconsin/guardian" \
-H "Authorization: Bearer YOUR_API_KEY"