APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may apply. Rates valid on new and used auto purchases and/or refinances to Guardian Credit Union currently held at another lender or finance company. Refinances of existing Guardian Credit Union loans, add 0.50% to listed rate. Loan application and rate is good for 30 days from application date. Guardian Credit Union has the right to change rates at any time, at their discretion. A $5.00 savings account is required. Guardian Credit Union membership is open to those living or working in Milwaukee, Waukesha, Kenosha, Ozaukee, Racine, Walworth and Washington counties. Federally insured by NCUA.