*APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Rates valid on new and used auto purchases and/or refinances to Guardian Credit Union currently held at another lender or finance company. A minimum loan amount is required based on term of loan. A Guardian Credit Union checking account and auto pay are required for lowest rate. Without checking account and auto pay, the qualified rate will increase by 0.25%. Rates not valid on salvage and/or rebuilt vehicles or refinancing of existing Guardian Credit Union loans, other rates will apply. 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.