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 $200,000 loan with 25% down payment and a minimum qualified credit score. Published rates are available for credit scores of 740 or higher. 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. A $450 non-refundable application deposit is required for a 1-unit property and a $650 non-refundable application deposit for a 2-unit property, unless indicated differently. Restrictions and rate adjustments may apply. To guarantee a rate, you must submit a rate lock application and meet qualifications for approval. For the most up-to-date rates call our Mortgage Dept. Maximum loan amount is $647,200. GCU membership is open to those living or working in Kenosha, Milwaukee, Ozaukee, Racine, Walworth, Washington and Waukesha counties. A $5.00 savings account is required.

*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.

*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.

*APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may apply. A minimum credit score must be met to qualify for 90 Day No Pay option. 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.

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.

APR=Annual Percentage Rate. HELOCs are available to owner occupied primary residence and non-income properties. It must not be listed for sale. Minimum credit score of 650 and LTV (Loan to Value) of 90% or less based on the lessor of the EFMV (Estimated Fair Market Value) of the current property tax bill and AVM (Automated Valuation Model) value.  If an appraisal is required, the value from appraisal will be used. Rates are determined by base rate, credit score and LTV. All HELOCs are subject to credit and other qualifications. Line of credit rate is variable and may change monthly. Base rate is Prime Rate as published in the Wall Street Journal, with a floor of 4.00% APR and ceiling of 18% APR. Other rates apply for LTV exceeding 80% and credit scores lower than 705. Term is 20 years, with 10 years being “draw” period followed by the “repayment” period. Minimum payment is 1.50% of the principal balance or $100.00, whichever is greater, during full term of loan. An appraisal may be required if LTV exceeds 80% and will be at the expense of the borrower. A new appraisal must be ordered and approved by GCU to use for loan. If existing outside appraisal is received, it will be reviewed for qualifications and not guaranteed to be accepted. Homeowners insurance required. Flood insurance required, if applicable. No application processing or closing costs with exception of title adjustments and/or appraisal, if required. If title adjustments are required, this will be at the expense of the borrower. If refinancing an existing Home Equity with Guardian within 24 months, a minimum of $10,000 must be added to limit or a fee of $250 may be assessed. All rates and loans are subject to change without notice.

HELOCs are available to owner occupied primary residence and non-income properties. It must not be listed for sale. Minimum credit score of 650 and LTV (Loan to Value) of 90% or less based on the lessor of the EFMV (Estimated Fair Market Value) of the current property tax bill and AVM (Automated Valuation Model) value.  If an appraisal is required, the value from appraisal will be used. Rates are determined by base rate, credit score and LTV. Base rate is Prime Rate as published in the Wall Street Journal, with a floor of 4.00% APR and ceiling of 18% APR. Term is 20 years, with 10 years being “draw” period followed by the “repayment” period. Line of credit rate is variable and may change monthly. Minimum payment is 1.50% of the principal balance or $100.00, whichever is greater, during full term of loan. All loans are subject to credit and other qualifications. An appraisal may be required if LTV exceeds 80% and will be at the expense of the borrower. A new appraisal must be ordered and approved by GCU to use for loan. If existing outside appraisal is received, it will be reviewed for qualifications and not guaranteed to be accepted. Homeowners insurance required. Flood insurance required, if applicable. No application processing or closing costs with exception of title adjustments and/or appraisal, if required. If title adjustments are needed, this will be at the expense of the borrower. If refinancing an existing Home Equity with Guardian within 24 months, a minimum of $10,000 must be added to limit or a fee of $250 may be assessed. All rates and loans are subject to change without notice.

*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.

APY=Annual Percentage Yield. Minimum deposit to open a certificate is $250. APY for all accounts is based on a 365-day year and assumes that dividends remain in the account until maturity. A withdrawal will reduce earnings. Penalties will be charged if certificate funds are withdrawn prematurely. Penalty will be based on the certificate’s dividend rate at the time of the premature withdrawal. (See Truth in Savings disclosure for details). Rates and terms are subject to change without notice and may end at any time. Dividends paid at maturity.

APY=Annual Percentage Yield. Minimum balance to open Advantage Money Market is $5,000.00. Minimum balance to earn interest is $5,000.00. The dividend rate and annual percentage yield will apply to the full balance of your account. Dividends will start accruing the day of deposit. Interest rate will automatically increase according to tiered categories, based on the daily balance. Dividends are paid monthly on the last day of each month and credited directly to the account. If balance falls below minimum required, interest will not be earned and a $15.00 monthly fee will be assessed, reducing the earnings. If the account is closed to monthly dividends being credited, you will forfeit any interest earned for that month. 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.

APY=Annual Percentage Yield. Balances that fall below $2,500 will be assessed a fee. Fees could reduce earnings on this account.

APY=Annual Percentage Yield. Minimum balance to earn stated APY is $25. *A penalty will be imposed for early withdrawal. Fees could reduce earnings on these accounts.

APY=Annual Percentage Yield. Fees could reduce earnings on these accounts.

APY=Annual Percentage Yield. Fees could reduce earnings on these accounts.

APY=Annual Percentage Yield. Minimum balance to earn APY: Fixed Rate IRA $250, Variable Rate IRA $50.00 (minimum deposit $1.00).