Loan Rates

All rates are effective January 1, 2019. Mortgage rates are updated daily. Rates are subject to change at any time.

  • Featured Mortgage Rates
      Rate APR* Payment per $1,000
    30 Year Fixed Rate 4.625% 4.659% $5.14
    15 Year Fixed Rate 4.125% 4.184% $7.46
    10 Year Fixed Rate 4.000% 4.085% $10.12
    3 Year Adjustable Rate 3.000% 4.574% $4.22

    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 95% on purchases and 95% on refinances. Restrictions and rate adjustments may apply. To guarantee a rate, you must submit a rate lock application.

  • New Auto/Motorcycles
      APR* (as low as) Minimum Loan Amount Payment per $1,000
    Up to 36 months 3.19% $500 $29.17
    37 to 48 months 3.19% $5,000 $22.22
    49 to 60 months 3.39% $10,000 $18.15
    61 to 72 months 3.79% $15,000 $15.55
    73 to 84 months 4.59% $20,000 $13.95

    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.

  • Used Auto/Motorcycles
      APR* (as low as) Minimum Loan Amount Payment per $1,000
    Up to 36 months 3.39% $500 $29.26
    36 to 48 months 3.59% $5,000 $22.40
    49 to 60 months 3.89% $10,000 $18.37
    61 to 72 months 4.34% $15,000 $15.81

    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.

  • Secured Loans
      APR* (as low as) Minimum Loan Amount Payment per $1,000
    36 months 3.89% $500 $29.48
    37 to 48 months 4.14% $5,000 $22.65
    49 to 60 months 4.39% $10,000 $18.60
    61 to 72 months 4.89% $20,000 $16.06
    73 to 84 months 5.14% $20,000 $14.21
    85 to 96 months 5.39% $20,000 $12.85

    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. Secured Loan: RV’s, Boats, ATV’s and Personal Watercraft.

  • Signature Loans
      APR* (as low as) Minimum Loan Amount Payment per $1,000
    Up to 24 9.99% $250 $46.14
    25 - 36 months 9.99% $750 $32.27
    37 - 48 months 10.99% $3,000 $25.85

    APR* = Annual Percentage Rate. 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. Unless otherwise noted, rates are the best we have to offer. Individual rates will vary based on your experience.

  • Home Equity
      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
    Line of Credit <80% LTV 5.50% $5,000 $15.00*
    Line of Credit > 80% LTV 7.50% $5,000 $15.00*

    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.

  • Credit Cards
      APR* (as low as) Minimum Loan Amount Monthly Payment
    Visa Platinum 10.24% $500 2% of balance or $25, whichever is greater
    Visa Platinum Rewards 13.00% $500 2% of balance or $25, whichever is greater
    Visa Platinum Secured 20.24% $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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