APR = Annual Percentage Rate. GCU has implemented a “Reflective Lending” system for determining the rate on your loan. Rates are determined based on credit experience and loan to value of collateral used. All loans and rates are subject to credit, underwriting guidelines and approval and are subject to change at any time. Interest rates assume a LTV (Loan To Value) of less than 80% and other rates apply to LTV’s exceeding 80%. New loan to GCU required for lowest qualified rate. Refinances of existing GCU loans, the qualified rate will increase by 0.50% APR. GCU refinances not eligible for 73 to 84 months term. Salvage and/or rebuilt vehicles have a maximum of 70% LTV and the qualified rate will increase by 0.50% APR of used vehicle rates. 90 day No Pay option may be offered with minimum credit score and qualifications. Rates reflect Relationship Pricing Program (RPP) maximum discount. Members are eligible when they meet the qualifications for a loan rate discount. Must be eligible at the time of application to receive the discount. Qualifications are based on points earned calculated by the following criteria: years of membership, products and services used and debit card activity. Calculation for rate decrease is based on qualified reflective lending rate with a discount according to the RPP points earned as follows: 4-7 points will qualify you for a 0.10 % APR loan rate discount, 8-11 points will qualify you for a 0.20% APR rate discount and 12+ points will qualify you for 0.30% APR rate discount. All discounts are non-transferable. May not be eligible to be combined with any other offer or discount.  Auto pay is required. Salvage/Branded, Indirect, Home Equity loans, Mortgages, Commercial Loans and Credit Cards are not eligible for loan rate discount. For more detail, see official terms and conditions for Relationship Pricing Program by visiting our branch locations or online at https://www.guardiancu.org/relationship-pricing-tandc

APR = Annual Percentage Rate. GCU has implemented a “Reflective Lending” system for determining the rate on your loan. Rates are determined based on credit experience and loan to value of collateral used. All loans and rates are subject to credit, underwriting guidelines and approval and are subject to change at any time. Interest rates assume an LTV of less than 80% and other rates apply to LTV’s exceeding 80%. New loan to GCU required for lowest rate. Refinances of existing Guardian Credit Union loans, the qualified rate will increase by 0.50% APR. Rates reflect Relationship Pricing Program (RPP) maximum discount. Members are eligible when they meet the qualifications for a loan rate discount. Must be eligible at the time of application to receive the discount. Qualifications are based on points earned calculated by the following criteria: years of membership, products and services used and debit card activity. Calculation for rate decrease is based on qualified reflective lending rate with a discount according to the RPP points earned as follows: 4-7 points will qualify you for a 0.10 % APR loan rate discount, 8-11 points will qualify you for a 0.20% APR rate discount and 12+ points will qualify you for 0.30% APR rate discount. All discounts are non-transferable. May not be eligible to be combined with any other offer or discount.  Auto pay is required. Salvage/Branded, Indirect, Home Equity loans, Mortgages, Commercial Loans and Credit Cards are not eligible for loan rate discount. For more detail, see official terms and conditions for Relationship Pricing Program by visiting our branch locations or online at https://www.guardiancu.org/relationship-pricing-tandc

*APR=Annual Percentage Rate. All loans and rates are subject to credit, underwriting guidelines and approval. Auto pay are required for lowest qualified rate. Without auto pay, the qualified rate will increase by 4.00% APR. Refinances of existing GCU loans, may be subject to a refinance fee.

APR = Annual Percentage Rate. GCU has implemented a “Reflective Lending” system for determining the rate on your loan. Rates are determined based on credit experience and loan to value of collateral used. All loans and rates are subject to credit, underwriting guidelines and approval and are subject to change at any time. Auto pay is required for lowest rate. Without auto pay, the qualified rate will increase by 4.00% APR. Rates reflect Relationship Pricing Program (RPP) maximum discount. Members are eligible when they meet the qualifications for a loan rate discount. Must be eligible at the time of application to receive the discount. Qualifications are based on points earned calculated by the following criteria: years of membership, products and services used and debit card activity. Calculation for rate decrease is based on qualified reflective lending rate with a discount according to the RPP points earned as follows: 4-7 points will qualify you for a 0.10 % APR loan rate discount, 8-11 points will qualify you for a 0.20% APR rate discount and 12+ points will qualify you for 0.30% APR rate discount. All discounts are non-transferable. May not be eligible to be combined with any other offer or discount.  Auto pay is required. Salvage/Branded, Indirect, Home Equity loans, Mortgages, Commercial Loans and Credit Cards are not eligible for loan rate discount. For more detail, see official terms and conditions for Relationship Pricing Program by visiting our branch locations or online at https://www.guardiancu.org/relationship-pricing-tandc

APR=Annual Percentage Rate. Fixed Rate home Equity loans are available to owner occupied primary residence and non-income properties. It must not be listed for sale. Minimum credit score of 680 and LTV (Loan to Value) of 90% or less based on the EFMV of current property tax bill. Other Fixed rate loans available to credit score of below 680 with additional rates, maximum LTV and terms. Rates are determined by base rate determined by GCU, credit score and LTV. 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 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 loan amount or a fee of $250 may be assessed. Payments are based on calculation of principal amount, rate, and term. For example: a 60-month, $100,000 loan and a 4.44% rate would be: 100 x $18.62 = $1,862.00 monthly. 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 to qualify for a HELOC. A Rate discount of prime rate minus 0.50% APR is reflected in the above listed rate and may be available to loans with a LTV (Loan to Value) of 80% or less. Rate increase may be applicable for credit score.  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 of origination, 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 is 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 terms and conditions of certificate. Rates and terms are subject to change without notice and may end at any time. 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. 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 prior to monthly dividends being credited, you will forfeit those dividends 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 is based on a 365-day year and assumes that dividends remain in the account for club and fund accounts.  A withdrawal or fees will reduce earnings. Penalties may be charged if funds are withdrawn prematurely and/or not used for purposes intended, when applicable to the type of account. Penalty will be based on the rate and/or balance at the time of the withdrawal. See Truth in Savings disclosure for terms and conditions for specific account as listed on disclosure. Rates and terms are subject to change without notice and may end at any time.

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).