Consolidate debt with a Guardian credit card or HELOC

If you have credit card or other high-interest debt, now is the time to save money by consolidating.

Guardian offers two great options for consolidating debt.

  • Consolidate with a Guardian Visa® credit card for 1.99% APR* on balance transfers and purchases for 12 months. Standard variable rates as low as: 9.49% APR*
  • Use the equity in your home and get rates as low as 1.99% APR** for 12 months with a Guardian HELOC. Standard variable rate as low as 4.75% APR**.

*The ANNUAL PERCENTAGE RATE (APR*) is a variable rate and is based on the Wall Street Journal Prime Rate (Index), plus a margin. The margin for the GCU VISA Platinum cards are based on certain creditworthiness and qualification criteria. The Introductory Rates of 1.99% APR for purchases and balance transfers applies to new GCU VISA Platinum and GCU VISA Platinum rewards credit cards. After 12 months/365 days from the date of your first qualifying transaction, the rate will adjust to the standard purchase and balance transfer rate, currently 9.49% APR to 19.24% APR, and are subject to change. First qualified transaction must be completed within the 365 days from the open date to qualify. We may end your introductory rates and apply the standard APR based on the terms of your original agreement if you make a late payment. All purchases, net or returns, qualify for the introductory 1.99% APR. Membership eligibility applies. Guardian Credit Union membership is open to those living or working in Milwaukee, Waukesha, Washington, Ozaukee, Racine, and Kenosha counties. A $5.00 savings account is required. Funds federally insured by NCUA.
**Home Equity Line of Credit promotion applies to loans up to 80% Loan to Value (CLTV) for owner occupied residences with a minimum credit score of 651. Home must not be listed for sale. The rate will be fixed at 1.99% APR* (Annual Percentage Rate) for credit score 705 and above for the first 12 months as the promotional period. Credit margin will apply for lower credit scores. After the promotional period, the rate is equal to Prime rate plus credit margin with a floor of 4.00% APR. Line of credit rate is variable, may change monthly, and will not exceed 18% APR. Minimum payment is 1.50% of the principal balance or $100.00, whichever is greater. All rates and approvals are subject to credit qualification, other rates and terms may apply. Minimum credit line is $10,000.00. If refinancing an existing Guardian Credit Union Home Equity Loan, an additional $10,000 is required on existing loan limit and minimum additional draw of $10,000.00 is required. If an appraisal or title transfer/change is required, the cost of this service/s will be the responsibility of the borrower/s. Promotion subject to change at any time at the discretion of Guardian Credit Union. A $5.00 savings account is required. Guardian Credit Union membership is open to those living or working in Milwaukee, Waukesha, Washington, Kenosha, Ozaukee, Racine and Walworth counties. Federally insured by NCUA.

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