Loan Rates

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.

*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. Interest rates assume a LTV of 80% or less. Other rates apply to LTV’s exceeding 80%. Guardian Credit Union 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. Individual rates will vary based on your experience and LTV. Unless otherwise noted, rates are the best we have to offer. Recreational Loan: RV’s, Boats, ATV’s and Personal Watercraft.

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.

*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.