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 Guardian Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 22, 2026
Guardian Credit Union's 2 Year CD rates are at 2.00%, 24 Month CD rates are at 2.00%, 3 Year CD rates are at 2.00%, 36 Month CD rates are at 2.00%, 4 Year CD rates are at 2.00%. Guardian Credit Union's savings rates are at 0.01%. Guardian Credit Union's money market rates are at 0.50%. Guardian Credit Union's 5 Year Rapid Refinance Mortgage rates are at 6.50%, 15 Year Fixed Rate Mortgage rates are at 6.62%, 7 Year Rapid Refinance Mortgage rates are at 6.62%, 10 Year Fixed Rate Mortgage rates are at 6.62%, 1 Year Adjustable Mortgage rates are at 6.12%. Guardian Credit Union's Personal Loan Rates are as low as 11.39%. Guardian Credit Union's Credit Card Rates are at 11.49%. MonitorBankRates evaluates the financial stability of Guardian Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.06%. Rates last updated and verified on 09/22/2026. Guardian Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Guardian Credit Union? Share your experience about Guardian Credit Union by leaving a review below, or read customer reviews before you decide to use Guardian Credit Union. Guardian Credit Union
Guardian Credit Union-Oak Creek Office 7801 S Howell Ave
https://www.guardiancu.org Oak Creek, WI 53154 
Guardian Credit Union CD Rates
Guardian Credit Union Savings Rates
Guardian Credit Union Money Market Rates
Guardian Credit Union Checking Rates
Guardian Credit Union Mortgage Rates
Guardian Credit Union Home Equity & HELOC
Guardian Credit Union Auto Loan Rates
Guardian Credit Union Credit Card Rates
Guardian Credit Union Personal Loan Rates
Guardian Credit Union Other Rates
Financial Health HistoryGuardian Credit Union’s Texas Ratio stayed near 2.28% in Q2 2023 to 2.06% in Q1 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Guardian Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.
Texas Ratio
We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.
Rate Data Aggregation
We gather Guardian Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Guardian Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Guardian Credit Union
Website
https://www.guardiancu.org
Address
7801 S Howell Ave,
Oak Creek, WI 53154
Phone
414-546-7450
Fax
President
Robert Jelinek
CEO
Steve Heiderer
Full-Time Employees
88
Part-Time Employees
1
Branch Locations
6
ATM Locations
6
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.06%
Return on Assets (ROA)
0.1197%
Return on Equity (ROE)
1.1194%
Non-Performing Loans Ratio (NPL)
0.43%
Total Assets
291,227,504
Total Amount of Shares and Deposits
257,333,131
Total Shares and Deposits < 1 Year
255,360,925
Total Shares and Deposits 1 3 Years
1,257,487
Total Shares and Deposits > 3 Years
714,720
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
13,734,456
Total Uninsured Shares and Deposits > $250K (F+J)
13,734,456
Total Insured Shares and Deposits > $250K (item 17 less item K)
243,598,675
Total Interest Expense (Sum of items 6 8)
324,306
Share Certificates
690
Number of Accounts for Share Drafts
13,967
IRA KEOGH Accounts
498
Number of Accounts for Regular Shares
34,301
All other shares
625
Money Market Shares
750
Net Income (unless the amount is already included in Undivided Earnings)
348,663
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
27,583,679
Total Liabilities
267,079,104
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for Guardian Credit Union yet. Feel free to create one below.
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Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for Guardian Credit Union
Frequently Asked Questions About Guardian Credit UnionHow many branches does Guardian Credit Union operate?Guardian Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is a member application needed to join Guardian Credit Union?Yes, to access services at Guardian Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations. Is there a first-time homebuyer program?Currently, Guardian Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Guardian Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Guardian Credit Union offer online and mobile banking?Most modern institutions like Guardian Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.guardiancu.org. Current Guardian Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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