All rates are effective June 1, 2017. Rates are subject to change at any time.

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New Auto/Motorcycles APR (as low as) Minimum Loan Amount Payment per $1,000
Up to 36 months 2.25% $500 $28.75
37 to 48 months 2.50% $5,000 $21.91
49 to 60 months 2.75% $10,000 $17.86
61 to 72 months 3.15% $20,000 $15.26
73 to 84 months 3.95% $20,000 $13.65 

Auto loan interest rates assume an LTV of less than 80% and other rates apply to LTVs exceeding 80%.

Used Auto/Motorcycles APR (as low as) Minimum Loan Amount Payment per $1,000
Up to 36 months 2.75% $500 $28.97
36 to 48 months 2.95% $5,000 $22.11
49 to 60 months 3.25% $10,000 $18.08
61 to 72 months 3.75% $20,000 $15.53

Auto loan interest rates assume an LTV of less than 80% and other rates apply to LTVs exceeding 80%.

Secured Loans: RVs, Boats, ATVs, Personal Watercraft, etc.

Secured Loans APR (as low as) Minimum Loan Amount Payment per $1,000
36 months 3.50% $500 $29.31
37 to 48 months 4.25% $5,000 $22.70
49 to 60 months 4.75% $10,000 $18.76
61 to 72 months 4.95% $20,000 $16.09
73 to 84 months 5.50% $20,000 $14.38
85 to 96 months 5.75% $20,000 $13.03

Unsecured Signature Loans APR (as low as) Minimum Loan Amount Payment per $1,000
Up to 36 months 11.50% $250 $32.99
37 to 48 months 12.50% $3,000 $26.59

APR = Annual Percentage Rate. GCU has adopted a “Reflective Lending” system for determining the rate on your loan. This means that the better your credit experience is, the lower your rate will be. Unless otherwise noted, rates are the best we have to offer. Individual rates will vary based on your experience.

Home Equity APR (as low as) Minimum Loan Amount Payment per $1,000
Up to 60 months 4.75% $5,000 $18.76
61 to 84 months 6.00% $5,000 $14.61
85 to 120 months 6.50% $5,000 $11.35
121 to 180 months 7.50% $5,000 $8.71
Line of Credit <80% LTV 3.75% $5,000 $10.00*
Line of Credit > 80% LTV 6.00% $5,000 $10.00*

Fixed Rates above reflect loans up to 80% Loan to Value (LTV); other rates apply for LTVs above 80%. Line of credit for Loan to Value (LTV) less than 80% is fixed at 3.75% APR* for the first 7 months as the promotional period. After the promotional period, the rate is equal to prime rate with a floor of 4.00% APR* . Minimum initial draw of $10,000 required. Line of credit for Loan to Value (LTV) greater than 80% the interest rate is prime rate + 2.00% APR* with a floor of 6.00% APR* . Line of credit rate is adjustable, may change monthly, and will not exceed 18% APR*. **Minimum payment is 1% of the balance or $75.00, whichever is greater. All rates are subject to credit qualification, other rates and terms may apply. If refinancing an existing Guardian Home Equity Loan, an additional $5,000 borrowed is required to qualify for fixed rates, non-promotional HELOC or $10,000 for promotional rate HELOC. Guardian Credit Union membership is open to anyone living or working in Kenosha, Ozaukee, Racine, Walworth, Washington, and Waukesha counties. A $5.00 savings account is required. Funds Federally Insured to at least $250,000 by the NCUA.

Credit Cards APR (as low as) Minimum Loan Amount Monthly Payment
Visa Platinum 8.74% $500 2% of balance or $25, whichever is greater
Visa Platinum Rewards 11.50% $500 2% of balance or $25, whichever is greater
Visa Platinum Secured 19.24% $300 2% of balance or $25, whichever is greater

APR = Annual Percentage Rate. GCU has adopted a "Reflective Lending" system for determining the rate on your loan. This means that the better your credit experience is, the lower your rate will be. Unless otherwise noted, rates are the best we have to offer. Individual rates will vary based on your experience.