Loan Rates
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Featured Mortgage Rates
Mortgage rates are updated daily. Rates are subject to change at any time
Rate APR* Payment per $1,000 30 Year Fixed Rate 3.125% 3.157% $4.28 20 Year Fixed Rate 2.875% 2.919% $5.48 15 Year Fixed Rate 2.500% 2.557% $6.67 10 Year Fixed Rate 2.500% 2.583% $9.43 5 Year Adjustable Rate 3.000% 3.099% $4.08 3 Year Adjustable Rate 2.875% 2.973% $4.15 1 Year Adjustable Rate 2.750% 2.847% $4.08 1 Year Construction Loan 2.250% 2.344% $3.82 12 Year Rapid Refinance 2.375% 2.419% $7.99 7 Year Rapid Refinance 2.375% 2.448% $12.93 5 Year Rapid Refinance 2.250% 2.350% $17.64 APR* = Annual Percentage Rate. Rates are effective as of today, may change at any time, and are subject to qualification and creditworthiness. APR stated assumes $150,000 loan with 40% down payment and a minimum qualified credit score. APR will increase with less money down and Private Mortgage Insurance (PMI) insurance costs added and increased (Loan to Value) LTV. Maximum LTV is 97% on purchases and 95% on refinances. Restrictions and rate adjustments may apply. To guarantee a rate, you must submit a rate lock application.
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New Auto/Motorcycles
Effective as of December 1, 2021. Rates are subject to change at any time.
APR* (as low as) Minimum Loan Amount Payment per $1,000 Up to 36 months 2.19%** $500 $28.95 37 to 48 months 2.19%** $5,000 $22.00 49 to 60 months 2.29%** $10,000 $17.88 61 to 72 months 2.49%** $15,000 $15.20 73 to 84 months 3.49% $20,000 $13.44 *APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may 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. **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.
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Used Auto/Motorcycles
Effective as of December 1, 2021. Rates are subject to change at any time.
APR* (as low as) Minimum Loan Amount Payment per $1,000 Up to 36 months 2.19%** $500 $28.95 37 to 48 months 2.19%** $5,000 $22.00 49 to 60 months 2.49%** $10,000 $17.97 61 to 72 months 2.74%** $15,000 $15.31 *APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may 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. **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.
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Recreational Loans
Effective as of December 1, 2021. Rates are subject to change at any time.
APR* (as low as) Minimum Loan Amount Payment per $1,000 Up to 36 months 2.99% $500 $29.08 37 to 48 months 3.24% $5,000 $22.25 49 to 60 months 3.99% $10,000 $18.42 61 to 72 months 4.39% $20,000 $15.83 73 to 84 months 4.64% $20,000 $13.97 85 to 96 months 4.89% $20,000 $12.61 97 to 180 months 5.49% $20,000 $8.17 *APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may 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. Recreational Loan: RV’s, Boats, ATV’s and Personal Watercraft.
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Signature Loans
Effective as of December 1, 2021. Rates are subject to change at any time.
APR* (as low as) Minimum Loan Amount Payment per $1,000 Up to 24 7.99% $250 $45.22 25 - 36 months 7.99% $750 $31.80 37 - 48 months 8.99% $3,000 $24.88 APR*=Annual Percentage Rate. All loans, terms and rates are subject to credit and underwriting guidelines. Minimum loan amount of $250.00. Auto pay is required for best rate, other rates will apply without auto pay. Current GCU signature loan refinances may be subject to a refinance fee. Guardian Credit Union has the right to change terms and rates 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.
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Home Equity (Fixed)
Effective as of December 1, 2021. Rates are subject to change at any time.
APR* (as low as) Minimum Loan Amount Payment per $1,000 Up to 60 months 3.94% $5,000 $18.39 61 to 84 months 4.44% $5,000 $13.88 85 to 120 months 4.69% $5,000 $10.46 121 to 180 months 5.69% $5,000 $8.28 APR = Annual Percentage Rate. Fixed rates reflect loans up to 80% Loan to Value (LTV). Other rates apply for LTV’s exceeding 80%. Home Equity Line of Credit rate is equal to prime rate with a floor of 4.00% APR for Loan to Value (LTV) of 80% or less. 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. All rates are subject to credit qualification, other rates and terms may apply. Minimum payment is 1.50% of the balance or $100.00, whichever is greater. 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.
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Home Equity (Line of Credit)
Effective as of December 1, 2021. Rates are subject to change at any time.
Type Interest Rate APR (as low as) Minimum Loan Amount Line of Credit (<80% LTV) 4.000% $5,000 Line of Credit (>80% LTV) 6.000% $5,000 Line of Credit Promotion 1.99% $10,000 Non-promotional Line of credit rates reflect Loans up to 80% Loan to Value (LTV) with a minimum credit score of 705. Rate is Prime Rate with a floor of 4.00% APR. Other rates apply for LTV exceeding 80% and credit scores lower than 705. For all promotional and non-promotional Line of Credits; Minimum payment is 1.50% of the principal balance or $100.00, whichever is greater. Line of credit rate is variable, may change monthly, and will not exceed 18% APR. All residences must not be listed for sale and must be owner occupied. All rates are subject to credit qualification, other rates and terms may apply.
Line of Credit promotion rate applies to loans up to 80% Loan To Value (LTV) with a minimum credit score of 651. The rate will be fixed at 1.99% APR for credit score 705 and above for the first 12 months as the promotional period. Credit margins 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. 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.
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Credit Cards
Effective as of December 1, 2021. Rates are subject to change at any time.
APR* (as low as) Minimum Loan Amount Monthly Payment Visa Platinum 7.99% $500 2% of balance or $25, whichever is greater Visa Platinum Rewards 10.75% $500 2% of balance or $25, whichever is greater Visa Platinum Secured 17.74% $300 2% of balance or $25, whichever is greater *APR = Annual Percentage Rate. The 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.
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