Loan Rates

Auto loan interest rates assume an LTV of less than 80% and other rates apply to LTVs exceeding 80%.

Secured Loans: RVs, Boats, ATVs, Personal Watercraft, etc.

Auto loan interest rates assume an LTV of less than 80% and other rates apply to LTVs exceeding 80%.

Secured Loans: RVs, Boats, ATVs, Personal Watercraft, etc.

*Rates are effective as of today, may change at any time, and are subject to qualification. APR stated assumes $150,000 loan with 40% down payment. APR will increase with less money down and Private Mortgage Insurance (PMI) insurance costs added. Published rates are available for credit scores of 740 or higher. Maximum loan to value (LTV) is 95% on purchases and 95% on refinances. Restrictions and rate adjustments may apply. To guarantee a rate, you must submit a rate lock application. A $5.00 savings account is required.

APR = Annual Percentage Rate. GCU has adopted a “Reflective Lending” system for determining the rate on your loan. This means that the better your credit experience is, the lower your rate will be. Unless otherwise noted, rates are the best we have to offer. Individual rates will vary based on your experience.

Fixed Rates above reflect loans up to 80% Loan to Value (LTV); other rates apply for LTVs above 80%. Line of credit for Loan to Value (LTV) less than 80% is fixed at 3.75% APR* for the first 7 months as the promotional period. After the promotional period, the rate is equal to prime rate with a floor of 4.00% APR* . Minimum initial draw of $10,000 required. 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*. **Minimum payment is 1% of the balance or $75.00, whichever is greater. All rates are subject to credit qualification, other rates and terms may apply. 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. Guardian Credit Union membership is open to anyone living or working in Kenosha, Ozaukee, Racine, Walworth, Washington, and Waukesha counties. A $5.00 savings account is required. Funds Federally Insured to at least $250,000 by the NCUA.

APR = Annual Percentage Rate. GCU has adopted a “Reflective Lending” system for determining the rate on your loan. This means that the better your credit experience is, the lower your rate will be. Unless otherwise noted, rates are the best we have to offer. Individual rates will vary based on your experience.