--- title: "Guardian Credit Union Rates (Nov 2026): Mortgage 7.17%" description: "Guardian Credit Union rates today: 30 year fixed mortgage 7.17% APR. Every rate verified daily from the official website — no pay-to-rank. See who can join Guardian Credit Union — verified membership eligibility with the requirements and cost to join." canonical: "https://rateapi.dev/credit-unions/wisconsin/guardian" last-updated: "2026-11-13" source: "https://rateapi.dev/llms.txt" --- # Guardian Credit Union Rates (Nov 2026): Mortgage 7.17% ### Mortgage rates 1 offer | Product | Published | Rate | Term / condition | Status | | **30-Year Fixed** 30 year fixed | 7.166% APR | 7.125% | — | Standard | Guardian Credit Union mortgage rates as of November 12, 2026 ### Auto & vehicle rates 2 offers | Product | Published | Rate | Term / condition | Status | | **6-Month Auto Loan** auto_any_6mo | — APR | 4.340% | 6 mo | Standard | | **Recreational Loan** powersports | — APR | 6.740% | — | Standard | Guardian Credit Union auto & vehicle rates as of November 12, 2026 ### HELOC rates 1 offer | Product | Published | Rate | Term / condition | Status | | **HELOC (Variable)** heloc_variable | — APR | 6.500% | — | Standard | Guardian Credit Union heloc rates as of November 12, 2026 ### Credit card rates 1 offer | Product | Published | Rate | Term / condition | Status | | **Credit Card** credit_card | — APR | 11.740% | — | Standard | Guardian Credit Union credit card rates as of November 12, 2026 ### Savings & CD rates 18 offers | Product | Published | Rate | Term / condition | Status | | **Platinum Checking** checking | — APY | 0.01% | — | Standard | | **Shares (Regular Savings)** savings | — APY | 0.01% | — | Standard | | **Education Fund*** savings | — APY | 0.05% | — | Standard | | **2-Month Certificate** cd_2mo | — APY | 0.25% | 2 mo | Standard | | **3-Month Certificate** cd_3mo | — APY | 0.50% | 3 mo | Standard | | **$5,000-$30,000** savings | — APY | 0.70% | — | Standard | | **6-Month Certificate** cd_6mo | — APY | 1.00% | 6 mo | Standard | | **$30,000.01-$75,000** savings | — APY | 1.19% | — | Standard | | **12-Month Certificate** cd_12mo | — APY | 1.49% | 12 mo | Standard | | **$75,000.01-$125,000** savings | — APY | 1.69% | — | Standard | | **18-Month Certificate** cd_18mo | — APY | 1.74% | 18 mo | Standard | | **24-Month Certificate** cd_24mo | — APY | 1.98% | 24 mo | Standard | | **48-Month Certificate** cd_48mo | — APY | 1.98% | 48 mo | Standard | | **60-Month Certificate** cd_60mo | — APY | 1.98% | 60 mo | Standard | | **$125,000.01-$200,000** savings | — APY | 2.18% | — | Standard | | **$200,000.01 Or More** savings | — APY | 2.67% | — | Standard | | **36-Month Certificate** cd_36mo | — APY | 2.75% | 36 mo | Standard | | **Assurance Checking** checking | — APY | 4.89% | — | Standard | Guardian Credit Union savings & cd rates as of November 12, 2026 As of November 12, 2026, Guardian Credit Union offers a 30-year fixed mortgage at 7.166% APR. > Source: [RateAPI.dev](https://rateapi.dev/credit-unions/wisconsin/guardian) , verified from [Guardian Credit Union's official website](https://www.guardiancu.org/) Best product position **Better than the Wisconsin median** 30-year fixed mortgage Gap to state best **13 bp** 13 bp from state best Vs. state median **4 bp better than median** 30-year fixed mortgage Products ranked **1** across tracked Wisconsin markets | Product | Published APR | Position | Vs. state best | Vs. state median | | 30-year fixed mortgage | 7.17% | Better than the Wisconsin median | 13 bp from state best | 4 bp better than median | Published rate position by product as of November 13, 2026 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 →](https://rateapi.dev/for-credit-unions/claim?cu=guardian&state=wisconsin&code=WI&name=Guardian%20Credit%20Union) 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](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. [**Summit** Oak Creek · Oak Creek · WI · 53154 Branch in the same ZIP](https://rateapi.dev/credit-unions/wisconsin/summit) [**Landmark** Oak Creek · Oak Creek · WI · 53154 About 1.4 miles away](https://rateapi.dev/credit-unions/wisconsin/landmark) [**Educators** Educators Credit Union-Oak Creek · Oak Creek · WI · 53154 About 1.6 miles away](https://rateapi.dev/credit-unions/wisconsin/educators) [**University of Wisconsin** Oak Creek · Oak Creek · WI · 53154-1902 About 1.8 miles away](https://rateapi.dev/credit-unions/wisconsin/university-of-wisconsin) [**Prime Financial** Prime Financial Credit Union · Cudahy · WI · 53110-2657 About 4.8 miles away](https://rateapi.dev/credit-unions/wisconsin/prime-financial) [**Trustone Financial** Milwaukee-Cudahy · Cudahy · WI · 53110-2611 About 4.9 miles away](https://rateapi.dev/credit-unions/minnesota/trustone-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 Guardian Credit Union Membership eligibility from Guardian Credit Union's own published criteria. [How we verify this](https://rateapi.dev/eligibility-methodology) . Membership criteria are published on Guardian Credit Union's website. Check the membership page below to confirm whether you qualify. - Employer P&H Mining Equipment, Wisconsin Gas Company, Bucyrus Erie Verified from [Guardian Credit Union's membership page](https://www.guardiancu.org/membership-and-services/membership/) . Final membership determination is always made by the credit union. ## Membership rules for Guardian Credit Union Employers 6 · Family 7 published paths to membership, last verified November 8, 2026, quoted from Guardian Credit Union’s own published criteria. ### Employers 6 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Employee of P&H Mining Equipment “Guardian Credit Union membership is open to employees and retirees of P&H Mining Equipment” > [source ↗](https://www.guardiancu.org/membership-and-services/membership/) - Employee 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 ↗](https://www.guardiancu.org/membership-and-services/membership/) - Retiree of P&H Mining Equipment - Employee of Wisconsin Gas Company “Guardian Credit Union membership is open to employees and retirees of P&H Mining Equipment, Wisconsin Gas Company, Bucyrus Erie” > [source ↗](https://www.guardiancu.org/membership-and-services/membership/) - Employee of Wisconsin Gas Company - Retired employee of Wisconsin Gas Company “Guardian Credit Union membership is open to employees and retirees of P&H Mining Equipment, Wisconsin Gas Company, Bucyrus Erie” > [source ↗](https://www.guardiancu.org/membership-and-services/membership/) - Retiree of Wisconsin Gas Company - Employee of Bucyrus Erie “Guardian Credit Union membership is open to employees and retirees of P&H Mining Equipment, Wisconsin Gas Company, Bucyrus Erie” > [source ↗](https://www.guardiancu.org/membership-and-services/membership/) - Employee of Bucyrus Erie - Retired employee of Bucyrus Erie “Guardian Credit Union membership is open to employees and retirees of P&H Mining Equipment, Wisconsin Gas Company, Bucyrus Erie” > [source ↗](https://www.guardiancu.org/membership-and-services/membership/) - Retiree of Bucyrus Erie ### Family 1 Auto-verified against the source page quoted from the credit union’s own published criteria · last verified November 8, 2026 - Family of a member immediate family “Guardian Credit Union membership is open to employees and retirees of P&H Mining Equipment, Wisconsin Gas Company, Bucyrus Erie and individuals who live or work in Milwaukee, Waukesha, Washington, Walworth, Ozaukee, Racine or Kenosha Counties or who have immediate family who do.” > [source ↗](https://www.guardiancu.org/membership-and-services/membership/) - Family member (immediate family) of a member 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 Guardian Credit Union? Yes No ## Work at Guardian 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 Guardian Credit Union ranks against Wisconsin peers. - See which AI assistants fetched Guardian Credit Union’s rates, and how often - See which of your products the RateAPI API returned, and where you rank in Wisconsin - Correct anything we publish about you that is wrong [Claim this credit union](https://rateapi.dev/for-credit-unions/claim?cu=guardian&state=wisconsin&code=WI&name=Guardian%20Credit%20Union) [How scorecards work](https://rateapi.dev/for-credit-unions) ## 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 November 12, 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 November 12, 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 November 12, 2026, Guardian Credit Union offers a 30-year fixed mortgage at 7.166% APR. ### Who can join Guardian Credit Union? Guardian Credit Union publishes its membership criteria on its own website. RateAPI tracks 7 published membership paths covering 6 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. [More Wisconsin credit unions](https://rateapi.dev/credit-unions/wisconsin) [Wisconsin mortgage rate leaders](https://rateapi.dev/mortgage-rates/wisconsin) [Wisconsin auto loan rate leaders](https://rateapi.dev/auto-loan-rates/wisconsin) [Wisconsin HELOC rate leaders](https://rateapi.dev/heloc-rates/wisconsin) [Mortgage rate benchmark](https://rateapi.dev/mortgage-rate-benchmark) [Auto loan rate benchmark](https://rateapi.dev/auto-loan-rate-benchmark) [Credit card rates](https://rateapi.dev/credit-card-rates) [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.guardiancu.org/) ### 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 Guardian Credit Union rates Get a free API key to query these rates programmatically, or get the daily email when Wisconsin 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 Guardian Credit Union curl "https://api.rateapi.dev/credit-unions/wisconsin /guardian " \ -H "Authorization : Bearer YOUR_API_KEY" ``` [Explore API Documentation](https://api.rateapi.dev/) [Use with Claude](https://rateapi.dev/#mcp) Branch locator ## Guardian Credit Union locations Search, filter, and browse all 7 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/wisconsin/guardian Rate data API: https://api.rateapi.dev · OpenAPI: https://api.rateapi.dev/openapi.json · MCP: https://mcp.rateapi.dev/mcp