Advertiser Disclosure
Some institutions listed may have a business relationship with MonitorBankRates. Our proprietary systems independently track and verify all rates. Advertiser relationships do not influence our Safety Ratings, Star Ratings, Texas Ratio calculations, or the rates shown.
Guardian Credit Union Rates & Review October 2026
Content reviewed by
Brian McKay
Brian McKay
Founder & Data Architect
Expertise
Automated Online Rate Data Aggregation
Location-Based Rate Tables
Bank & Credit Union Health Safety Ratings
Bank & Credit Union Star Ratings
Finance Calculators
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.
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: October 13, 2026
Guardian Credit Union's top rates as of October 13, 2026 are 2.00% APY on its 24 Month CD, 0.25% APY on savings, 2.70% APY on money market accounts, 5.00% APY on checking, 6.88% on its 15 Year Fixed Rate mortgage, personal loans from 11.69% APR, and credit cards from 11.74% APR, according to rates verified by MonitorBankRates. Other Guardian Credit Union CD rates include 36 Month CD at 2.00%, 48 Month CD at 2.00%, and 60 Month CD at 2.00%. Other Guardian Credit Union mortgage rates include 10 Year Fixed Rate at 6.88%, 30 Year Fixed Rate at 7.38%, and 20 Year Fixed Rate at 7.38%. 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 10/13/2026.
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 has earned an overall safety grade of A+ (Exceptional, Score: 99/100).
This proprietary letter grade is calculated by combining the institution's Star Rating with its Texas Ratio, providing a straightforward indicator of its financial stability and reliability.
Grades range from A+ (Exceptional) to F (High Risk) based on objective NCUA regulatory data.
MonitorBankRates Rating
?
5.0
ExceptionalOut of 5.0 Stars
MonitorBankRates Star Rating
Guardian Credit Union has earned a Star Rating of 5.0 out of 5 stars (Exceptional).
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
?
2.06%
ExcellentLower than avg
Guardian Credit Union Texas Ratio
Guardian Credit Union's Texas Ratio is 2.06%, which is considered excellent and is lower than the national average of 6.13%.
Guardian Credit Union has a very low volume of non-performing assets compared to its available capital, signifying a strong balance sheet.
The Texas Ratio compares non-performing assets to tangible common equity and loan loss reserves. Lower is better.
1.82% to 2.06% over 12 quarters, very strongFull history
Star Rating 5.0 to 5.0, Health Grade A+ to A+
The Texas Ratio for this credit union has stayed very strong since Q3 2023. Lower is healthier; the amber line is the 15% level required for the MBR Verified Healthy badge.
Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.
Guardian Credit Union CD Rates
Product
Rate
APY
Term
View More
24 Month Certificate
1.982%
2.00%
24-Month
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
36 Month Certificate
1.982%
2.00%
36-Month
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
48 Month Certificate
1.982%
2.00%
48-Month
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
60 Month Certificate
1.982%
2.00%
60-Month
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 2-Year
1.982%
2.00%
2-Year
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 3-Year
1.982%
2.00%
3-Year
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 4-Year
1.982%
2.00%
4-Year
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 5-Year
1.982%
2.00%
5-Year
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 18-Month
1.74%
1.75%
18-Month
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.75% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
12 Month Certificate
1.49%
1.50%
12-Month
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 1-Year
1.49%
1.50%
1-Year
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 6-Month
1.00%
1.00%
6-Month
Min Deposit$250
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.00% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 3-Month
0.50%
0.50%
3-Month
Min Deposit$250
DetailsDividends paid at maturity
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.50% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Certificate 2-Month
0.25%
0.25%
2-Month
Min Deposit$250
DetailsDividends paid at maturity
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.25% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Savings Rates
Product
Rate
APY
View More
Health Savings Accounts
0.25%
0.25%
No additional details.
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Christmas Club
0.05%
0.05%
DetailsSavings Programs; Dividends paid at maturity
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Tax Club
0.05%
0.05%
DetailsSavings Programs; Dividends paid at maturity
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Vacation Club
0.05%
0.05%
DetailsSavings Programs; Dividends paid at maturity
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Shares (Regular Savings)
0.01%
0.01%
DetailsSavings Programs
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Money Market Rates
Product
Rate
APY
View More
Advantage Money Market
2.667%
2.70%
Min Deposit$5,000
Min Balance$200,000
DetailsBalance: $200,000.01 or more
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Advantage Money Market
2.178%
2.20%
Min Deposit$5,000
Min Balance$125,000
DetailsBalance: $125,000.01-$200,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 2.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Advantage Money Market
1.687%
1.70%
Min Deposit$5,000
Min Balance$75,000
DetailsBalance: $75,000.01-$125,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Advantage Money Market
1.193%
1.20%
Min Deposit$5,000
Min Balance$30,000
DetailsBalance: $30,000.01-$75,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 1.20% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Advantage Money Market
0.698%
0.70%
Min Deposit$5,000
Min Balance$5,000
DetailsBalance: $5,000-$30,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.70% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Blue Money Market
0.025%
0.025%
Min Balance$10,000
DetailsBalance: $10,000+; Balances that fall below $2,500 will be assessed a fee. Fees could reduce earnings on this account.
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.03% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Checking Rates
Product
Rate
APY
View More
Assurance Checking
-
5.00%
Min Deposit$25
Min Balance$2,500
DetailsQualifications Required; Qualifying balance up to $500.00; no interest earned in months when qualifications are not met
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Platinum Checking
0.025%
0.025%
Min Balance$10,000
DetailsBalance: $10,000+
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Platinum Checking
0.025%
0.025%
Min Balance$50,000
DetailsBalance: $50,000+
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Platinum Checking
0.025%
0.025%
Min Balance$100,000
DetailsBalance: $100,000
Last Updated10/13/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 5 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Platinum Checking
0.01%
0.01%
Min Balance$2,500
DetailsBalance: $2,500+
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Mortgage Rates
Product
Rate
Points
APR
Term
View More
15 Year Fixed Rate
6.875%
-
6.94%
DetailsAPR assumes $200,000 loan with 25% down payment and minimum qualified credit score of 780
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.94% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
10 Year Fixed Rate
6.875%
-
6.966%
DetailsAPR assumes $200,000 loan with 25% down payment and minimum qualified credit score of 780
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.97% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
30 Year Fixed Rate
7.375%
-
7.416%
DetailsAPR assumes $200,000 loan with 25% down payment and minimum qualified credit score of 780; Payment per $1,000: $6.91
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.42% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
20 Year Fixed Rate
7.375%
-
7.428%
DetailsAPR assumes $200,000 loan with 25% down payment and minimum qualified credit score of 780
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.43% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Home Equity & HELOC
Product
Rate
Points
APR
Term
View More
Home Equity (Fixed)
-
-
6.49%
Up to 60 months
DetailsAs Low As; Minimum Loan Amount: $10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Equity (Line of Credit) - Line of Credit (<80% LTV)
-
-
6.50%
DetailsAs Low As; Minimum Loan Amount: $5,000; Effective as of September 22, 2026; variable rate based on Prime
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.50% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Equity (Fixed)
-
-
7.19%
61 to 84 months
DetailsAs Low As; Minimum Loan Amount: $10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.19% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Equity (Fixed)
-
-
7.49%
85 to 120 months
DetailsAs Low As; Minimum Loan Amount: $10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.49% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Equity (Fixed)
-
-
8.69%
121 to 180 months
DetailsAs Low As; Minimum Loan Amount: $10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.69% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Equity (Line of Credit) - Line of Credit (>80% LTV)
-
-
9.00%
DetailsAs Low As; Minimum Loan Amount: $5,000; Effective as of September 22, 2026; variable rate based on Prime
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.00% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Auto Loan Rates
Product
Rate
Points
APR
Term
View More
Relationship Pricing Used Auto/Motorcycles
-
-
4.59%
Up to 36 months
DetailsAs Low As; Minimum Loan Amount: $500; Payment per $1,000 not recorded as rate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles Loan
-
-
4.89%
Up to 36 months
DetailsAs Low As; Used Auto/Motorcycles; Minimum Loan Amount: $500
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.89% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Relationship Pricing Used Auto/Motorcycles
-
-
4.99%
37 to 48 months
DetailsAs Low As; Minimum Loan Amount: $5,000; Payment per $1,000 not recorded as rate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 4.99% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Relationship Pricing Used Auto/Motorcycles
-
-
5.29%
49 to 60 months
DetailsAs Low As; Minimum Loan Amount: $10,000; Payment per $1,000 not recorded as rate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.29% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles Loan
-
-
5.29%
37 to 48 months
DetailsAs Low As; Used Auto/Motorcycles; Minimum Loan Amount: $5,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.29% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles Loan
-
-
5.59%
49 to 60 months
DetailsAs Low As; Used Auto/Motorcycles; Minimum Loan Amount: $10,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Relationship Pricing Used Auto/Motorcycles
-
-
5.89%
61 to 72 months
DetailsAs Low As; Minimum Loan Amount: $15,000; Payment per $1,000 not recorded as rate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 5.89% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles Loan
-
-
6.19%
61 to 72 months
DetailsAs Low As; Used Auto/Motorcycles; Minimum Loan Amount: $15,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.19% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Relationship Pricing Used Auto/Motorcycles
-
-
6.59%
73 to 84 months
DetailsAs Low As; Minimum Loan Amount: $20,000; Payment per $1,000 not recorded as rate
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.59% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto/Motorcycle Loan
-
-
6.74%
Up to 36 months
DetailsAs Low As; Minimum Loan Amount: $500
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto/Motorcycle Loan
-
-
6.84%
37 to 48 months
DetailsAs Low As; Minimum Loan Amount: $5,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 6.84% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles Loan
-
-
6.89%
73 to 84 months
DetailsAs Low As; Used Auto/Motorcycles; Minimum Loan Amount: $20,000
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.89% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto/Motorcycle Loan
-
-
7.04%
49 to 60 months
DetailsAs Low As; Minimum Loan Amount: $10,000
Last Updated10/13/2026
Rate History
1 change since Sep 14, 2026 · 7.34% → 7.04% ▼ 0.30 pts · high 7.34% / low 7.04%
Sep 18, 20267.04%▼ from 7.34%
Sep 14, 20267.34%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto/Motorcycle Loan
-
-
7.64%
61 to 72 months
DetailsAs Low As; Minimum Loan Amount: $20,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 7.64% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto/Motorcycle Loan
-
-
8.24%
73 to 84 months
DetailsAs Low As; Minimum Loan Amount: $20,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 8.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto/Motorcycle Loan
-
-
9.14%
85 to 96 months
DetailsAs Low As; Minimum Loan Amount: $20,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 9.14% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto/Motorcycle Loan
-
-
10.24%
97 to 180 months
DetailsAs Low As; Minimum Loan Amount: $20,000
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 10.24% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto Loan
-
-
11.39%
Up to 24 months
DetailsAs Low As; Minimum Loan Amount: $250; Auto pay required for lowest rate; without auto pay the qualified rate increases 4.00% APR; Effective October 1, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto Loan
-
-
11.39%
25 - 36 months
DetailsAs Low As; Minimum Loan Amount: $750; Auto pay required for lowest rate; without auto pay the qualified rate increases 4.00% APR; Effective October 1, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Auto Loan
-
-
12.39%
37 - 48 months
DetailsAs Low As; Minimum Loan Amount: $3,000; Auto pay required for lowest rate; without auto pay the qualified rate increases 4.00% APR; Effective October 1, 2026
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.39% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union RV, Boat and Powersport Loan Rates
Product
Rate
APR
Term
View More
Recreational Loans - Up to 36 months
-
7.04%
Up to 36 months
DetailsAs Low As; Minimum Loan Amount: $500; Effective as of October 1, 2026; Recreational loan defined as RV's, boats, ATV's and personal watercraft
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.04% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans - 37 to 48 months
-
7.14%
37 to 48 months
DetailsAs Low As; Minimum Loan Amount: $5,000; Effective as of October 1, 2026; Recreational loan defined as RV's, boats, ATV's and personal watercraft
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.14% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans - 49 to 60 months
-
7.34%
49 to 60 months
DetailsAs Low As; Minimum Loan Amount: $10,000; Effective as of October 1, 2026; Recreational loan defined as RV's, boats, ATV's and personal watercraft
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.34% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans - 61 to 72 months
-
7.94%
61 to 72 months
DetailsAs Low As; Minimum Loan Amount: $15,000; Effective as of October 1, 2026; Recreational loan defined as RV's, boats, ATV's and personal watercraft
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.94% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans - 73 to 84 months
-
8.54%
73 to 84 months
DetailsAs Low As; Minimum Loan Amount: $20,000; Effective as of October 1, 2026; Recreational loan defined as RV's, boats, ATV's and personal watercraft
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 8.54% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans - 85 to 96 months
-
9.44%
85 to 96 months
DetailsAs Low As; Minimum Loan Amount: $20,000; Effective as of October 1, 2026; Recreational loan defined as RV's, boats, ATV's and personal watercraft
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 9.44% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans - 97 to 180 months
-
10.54%
97 to 180 months
DetailsAs Low As; Minimum Loan Amount: $20,000; Effective as of October 1, 2026; Recreational loan defined as RV's, boats, ATV's and personal watercraft
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 10.54% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Credit Card Rates
Product
Rate
APR
View More
Visa Platinum
-
11.74%
DetailsAs Low As; Minimum Loan Amount: $500; Monthly Payment: 2% of balance or $25, whichever is greater; APR is variable, based on WSJ Prime plus a margin
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.74% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Personal Loan Rates
Product
APR
Term
View More
Signature Loans
11.69%
Up to 24 months
DetailsAs Low As; Minimum Loan Amount: $250; Auto pay required for lowest qualified rate; without auto pay, rate increases by 4.00% APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.69% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Signature Loans
11.69%
25 - 36 months
DetailsAs Low As; Minimum Loan Amount: $750; Auto pay required for lowest qualified rate; without auto pay, rate increases by 4.00% APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 11.69% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Signature Loans
12.69%
37 - 48 months
DetailsAs Low As; Minimum Loan Amount: $3,000; Auto pay required for lowest qualified rate; without auto pay, rate increases by 4.00% APR
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 12.69% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Guardian Credit Union Other Rates
Product
Rate
Points
APY/APR
Term
View More
1 Year Adjustable Loan
6.375%
-
7.013%
DetailsAdjustable rate; APR assumes $200,000 loan with 10% down payment, minimum credit score and maximum DTI; Payment per $1,000: $6.24
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.01% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
1 Year Construction Loan
6.375%
-
7.013%
1 Year
DetailsAPR assumes $200,000 loan with 10% down payment, minimum credit score 720, maximum DTI 35%; interest only for 9 of 12 months; $450 application deposit for 1-unit property build; Payment per $1,000: $6.24
Last Updated10/13/2026
Rate History
1 change since Sep 18, 2026 · 6.76% → 7.01% ▲ 0.25 pts · high 7.01% / low 6.76%
Oct 1, 20267.01%▲ from 6.76%
Sep 18, 20266.76%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
10 Year Rapid Refinance
6.75%
-
6.806%
DetailsRapid Refinance; $0 application fee; restrictions and rate adjustments may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.81% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
15 Year Rapid Refinance
6.875%
-
6.915%
DetailsRapid Refinance; $0 application fee; restrictions and rate adjustments may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.92% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
20 Year Rapid Refinance
7.00%
-
7.032%
DetailsRapid Refinance; $0 application fee; restrictions and rate adjustments may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.03% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
3 Year Adjustable Loan
6.75%
-
7.059%
DetailsAdjustable rate; APR assumes $200,000 loan with 10% down payment, minimum credit score and maximum DTI; Payment per $1,000: $6.49
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 7.06% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
7 Year Rapid Refinance
6.625%
-
6.702%
DetailsRapid Refinance; $0 application fee; restrictions and rate adjustments may apply
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 6.70% APR
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Education Fund
0.05%
-
0.05%
DetailsSavings Programs; Dividends paid at maturity
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Fund
0.05%
-
0.05%
DetailsSavings Programs; Dividends paid at maturity
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Pet Fund
0.05%
-
0.05%
DetailsSavings Programs; Dividends paid at maturity
Last Updated10/13/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Roth IRA: Variable Rate
0.01%
-
0.01%
Min Deposit$1
Min Balance$50
DetailsMinimum balance to earn APY: Variable Rate IRA $50.00 (minimum deposit $1.00)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.01% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Traditional IRA: Variable Rate
0.01%
-
0.01%
Min Deposit$1
Min Balance$50
DetailsMinimum balance to earn APY: Variable Rate IRA $50.00 (minimum deposit $1.00)
Last Updated10/13/2026
Rate History
No change since Oct 13, 2026 · 0.01% APY
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Financial Health History
Guardian Credit Union’s Texas Ratio stayed near 1.82% in Q3 2023 to 2.06% in Q2 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
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
Quarter
Total assets
Texas Ratio
Star Rating
Health Grade
June 30, 2026
$294M
2.06%
5.0
A+
March 31, 2026
$291M
2.06%
5.0
A+
December 31, 2025
$286M
2.62%
5.0
A+
September 30, 2025
$290M
1.91%
5.0
A+
June 30, 2025
$292M
2.27%
5.0
A+
March 31, 2025
$293M
2.41%
5.0
A+
December 31, 2024
$285M
2.32%
5.0
A+
September 30, 2024
$293M
2.09%
5.0
A+
June 30, 2024
$299M
2.12%
5.0
A+
March 31, 2024
$298M
2.79%
5.0
A+
December 31, 2023
$290M
2.45%
5.0
A+
September 30, 2023
$295M
1.82%
5.0
A+
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data Sources
MonitorBankRates 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.
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
14,343,439
Total Uninsured Shares and Deposits > $250K (F+J)
14,343,439
Total Insured Shares and Deposits > $250K (item 17 less item K)
244,925,799
Total Interest Expense (Sum of items 6 8)
654,154
Share Certificates
656
Number of Accounts for Share Drafts
13,906
IRA KEOGH Accounts
485
Number of Accounts for Regular Shares
34,173
All other shares
626
Money Market Shares
748
Net Income (unless the amount is already included in Undivided Earnings)
737,672
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)
19,350,202
Total Liabilities
269,668,490
Source: NCUA — Last Updated 06/30/2026
Q2 2026 MBR Health & Safety Badge
Guardian Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.
Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
There are no reviews for Guardian Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Guardian Credit Union
Frequently Asked Questions About Guardian Credit Union
How 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
12-Month CD1.50%
18-Month CD1.75%
24-Month CD2.00%
60-Month CD2.00%
Savings0.25%
MMA2.70%
Retrieved from our database of financial products. Rates subject to change.
Brian McKay
