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Guardian Credit Union Rates & Review November 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 29, 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 0.25%. Guardian Credit Union's money market rates are at 2.70%. Guardian Credit Union's checking rates are as high as 5.00%. Guardian Credit Union's 15 Year Fixed Rate rates are at 6.88%, 10 Year Fixed Rate rates are at 6.88%, 20 Year Fixed Rate rates are at 7.00%, 30 Year Fixed Rate rates are at 7.25%. Guardian Credit Union's Personal Loan Rates are as low as 11.39%. Guardian Credit Union's Credit Card Rates are at 11.74%. Guardian Credit Union's CD rates are 44% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 10/29/2026.
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
2-Year Certificate
1.982%
2.00%
2-Year
Min Deposit$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
24-Month Certificate
1.982%
2.00%
24-Month
Min Deposit$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
3-Year Certificate
1.982%
2.00%
3-Year
Min Deposit$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
4-Year Certificate
1.982%
2.00%
4-Year
Min Deposit$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
5-Year Certificate
1.982%
2.00%
5-Year
Min Deposit$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 8 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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 2.00% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
18-Month Certificate
1.74%
1.75%
18-Month
Min Deposit$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.75% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
1-Year Certificate
1.49%
1.50%
1-Year
Min Deposit$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 8 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.50% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
6-Month Certificate
1.00%
1.00%
6-Month
Min Deposit$250
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 1.00% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
3-Month Certificate
0.50%
0.50%
3-Month
Min Deposit$250
DetailsDividends paid at maturity
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.50% APY · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
2-Month Certificate
0.25%
0.25%
2-Month
Min Deposit$250
DetailsDividends paid at maturity
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 8 times
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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.25% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Christmas Club
0.05%
0.05%
DetailsSavings Programs
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Tax Club
0.05%
0.05%
DetailsSavings Programs
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Vacation Club
0.05%
0.05%
DetailsSavings Programs
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Shares (Regular Savings)
0.01%
0.01%
DetailsSavings Programs
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 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 Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.70% APY · checked 4 times
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 Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 2.20% APY · checked 4 times
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 Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.70% APY · checked 4 times
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 Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 1.20% APY · checked 4 times
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 Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.70% APY · checked 4 times
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.
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.03% APY · checked 4 times
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; Balance: $0.00 - $500.00; Qualifying balance up to $500.00; 0.01% APY on balances over $500; Maintain a minimum daily balance of $2,500; at least one direct deposit of $200 or more during the month; Fraud protection enhancements; Free cashier's checks and money orders
Last Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 5.00% APY · checked 8 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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 8 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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 8 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 Updated10/29/2026
Rate History
No change since Sep 18, 2026 · 0.03% APY · checked 8 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 Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.01% APY · checked 9 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%
15 years
No additional details.
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.69% → 6.94% ▲ 0.25 pts · high 6.94% / low 6.69%
Oct 1, 20266.94%▲ from 6.69%
Sep 18, 20266.69%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
10 Year Fixed Rate
6.875%
-
6.966%
10 years
No additional details.
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.72% → 6.97% ▲ 0.25 pts · high 6.97% / low 6.72%
Oct 1, 20266.97%▲ from 6.72%
Sep 18, 20266.72%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
20 Year Fixed Rate
7.00%
-
7.053%
20 years
No additional details.
Last Updated10/29/2026
Rate History
2 changes since Sep 18, 2026 · 7.05% → 7.05% ▼ 0.00 pts · high 7.43% / low 7.05%
Oct 19, 20267.05%▼ from 7.43%
Oct 1, 20267.43%▲ from 7.05%
Sep 18, 20267.05%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
30 Year Fixed Rate
7.25%
-
7.291%
30 years
No additional details.
Last Updated10/29/2026
Rate History
3 changes since Sep 18, 2026 · 7.04% → 7.29% ▲ 0.25 pts · high 7.42% / low 7.04%
Oct 26, 20267.29%▲ from 7.17%
Oct 19, 20267.17%▼ from 7.42%
Oct 1, 20267.42%▲ from 7.04%
Sep 18, 20267.04%first recorded
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) Loan - Up to 60 months
-
-
6.49%
Up to 60 months
DetailsAs Low As; Minimum Loan Amount: $10,000; Payment per $1,000: $19.57; Effective as of October 1, 2026; Minimum credit score of 680 and LTV of 90% or less
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.49% APR · checked 2 times
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%
20 years
DetailsAs Low As; Minimum Loan Amount $5,000; LTV <80%; Minimum credit score 650; Variable rate based on Prime (floor 4.00% APR, ceiling 18% APR); 10-year draw period followed by repayment period
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.50% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Equity (Fixed) Loan - 61 to 84 months
-
-
7.19%
61 to 84 months
DetailsAs Low As; Minimum Loan Amount: $10,000; Payment per $1,000: $15.19; Effective as of October 1, 2026; Minimum credit score of 680 and LTV of 90% or less
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.19% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Equity (Fixed) Loan - 85 to 120 months
-
-
7.49%
85 to 120 months
DetailsAs Low As; Minimum Loan Amount: $10,000; Payment per $1,000: $11.87; Effective as of October 1, 2026; Minimum credit score of 680 and LTV of 90% or less
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 7.49% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Equity (Fixed) Loan - 121 to 180 months
-
-
8.69%
121 to 180 months
DetailsAs Low As; Minimum Loan Amount: $10,000; Payment per $1,000: $9.97; Effective as of October 1, 2026; Minimum credit score of 680 and LTV of 90% or less
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 8.69% APR · checked 2 times
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%
20 years
DetailsAs Low As; Minimum Loan Amount $5,000; LTV >80%; Minimum credit score 650; Variable rate based on Prime (floor 4.00% APR, ceiling 18% APR); 10-year draw period followed by repayment period
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 9.00% APR · checked 2 times
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
Auto Loans
-
-
4.34%
DetailsAs Low As; Homepage featured rate
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 4.34% APR · checked 6 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles - Up to 36 months
-
-
4.89%
Up to 36 months
DetailsAs Low As; Minimum Loan Amount: $500; Effective as of October 1, 2026; Interest rates assume LTV less than 80%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 4.89% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles - 37 to 48 months
-
-
5.29%
37 to 48 months
DetailsAs Low As; Minimum Loan Amount: $5,000; Effective as of October 1, 2026; Interest rates assume LTV less than 80%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.29% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles - 49 to 60 months
-
-
5.59%
49 to 60 months
DetailsAs Low As; Minimum Loan Amount: $10,000; Effective as of October 1, 2026; Interest rates assume LTV less than 80%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 5.59% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles - 61 to 72 months
-
-
6.19%
61 to 72 months
DetailsAs Low As; Minimum Loan Amount: $15,000; Effective as of October 1, 2026; Interest rates assume LTV less than 80%
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.19% APR · checked 2 times
No change since Sep 14, 2026 · 6.84% APR · checked 8 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Used Auto/Motorcycles - 73 to 84 months
-
-
6.89%
73 to 84 months
DetailsAs Low As; Minimum Loan Amount: $20,000; Effective as of October 1, 2026; Interest rates assume LTV less than 80%; GCU refinances not eligible for this term
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 6.89% APR · checked 2 times
No change since Sep 14, 2026 · 10.24% APR · checked 8 times
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
-
7.04%
Up to 36 months
DetailsAs Low As; Minimum Loan Amount: $500; Effective as of October 1, 2026; Recreational loan defined as RVs, boats, ATVs and personal watercraft
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.04% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans
-
7.14%
37 to 48 months
DetailsAs Low As; Minimum Loan Amount: $5,000; Effective as of October 1, 2026; Recreational loan defined as RVs, boats, ATVs and personal watercraft
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.14% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans
-
7.34%
49 to 60 months
DetailsAs Low As; Minimum Loan Amount: $10,000; Effective as of October 1, 2026; Recreational loan defined as RVs, boats, ATVs and personal watercraft
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.34% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans
-
7.94%
61 to 72 months
DetailsAs Low As; Minimum Loan Amount: $15,000; Effective as of October 1, 2026; Recreational loan defined as RVs, boats, ATVs and personal watercraft
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 7.94% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans
-
8.54%
73 to 84 months
DetailsAs Low As; Minimum Loan Amount: $20,000; Effective as of October 1, 2026; Recreational loan defined as RVs, boats, ATVs and personal watercraft
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 8.54% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans
-
9.44%
85 to 96 months
DetailsAs Low As; Minimum Loan Amount: $20,000; Effective as of October 1, 2026; Recreational loan defined as RVs, boats, ATVs and personal watercraft
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 9.44% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Recreational Loans
-
10.54%
97 to 180 months
DetailsAs Low As; Minimum Loan Amount: $20,000; Effective as of October 1, 2026; Recreational loan defined as RVs, boats, ATVs and personal watercraft
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 10.54% APR · checked 3 times
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
Last Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 11.74% APR · checked 4 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Visa Platinum Rewards
-
14.50%
DetailsAs Low As; Minimum Loan Amount: $500; Monthly Payment: 2% of balance or $25, whichever is greater
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 14.50% APR · checked 3 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Visa Platinum Secured
-
19.49%
DetailsAs Low As; Minimum Loan Amount: $300; Monthly Payment: 2% of balance or $25, whichever is greater
Last Updated10/29/2026
Rate History
No change since Oct 19, 2026 · 19.49% APR · checked 3 times
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 - Relationship Pricing
11.39%
Up to 24 months
DetailsAs Low As; Minimum Loan Amount: $250; Auto pay required for lowest qualified rate; without auto pay rate increases 4.00% APR
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 11.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Signature Loans - Relationship Pricing
11.39%
25 - 36 months
DetailsAs Low As; Minimum Loan Amount: $750; Auto pay required for lowest qualified rate; without auto pay rate increases 4.00% APR
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 11.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Signature Loan - 25 - 36 months
11.69%
25-36 months
DetailsAs Low As; Minimum Loan Amount: $750; Auto pay required for lowest qualified rate; without auto pay the qualified rate increases 4.00% APR
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 11.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Signature Loan - Up to 24 months
11.69%
Up to 24 months
DetailsAs Low As; Minimum Loan Amount: $250; Auto pay required for lowest qualified rate; without auto pay the qualified rate increases 4.00% APR
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 11.69% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Signature Loans - Relationship Pricing
12.39%
37 - 48 months
DetailsAs Low As; Minimum Loan Amount: $3,000; Auto pay required for lowest qualified rate; without auto pay rate increases 4.00% APR
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 12.39% APR · checked 2 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Signature Loan - 37 - 48 months
12.69%
37-48 months
DetailsAs Low As; Minimum Loan Amount: $3,000; Auto pay required for lowest qualified rate; without auto pay the qualified rate increases 4.00% APR
Last Updated10/29/2026
Rate History
No change since Oct 26, 2026 · 12.69% APR · checked 2 times
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
6.25%
-
7.071%
DetailsAdjustable rate; APR assumes $200,000 loan with 10% down
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 7.01% → 7.07% ▲ 0.06 pts · high 7.07% / low 7.01%
Oct 26, 20267.07%▲ from 7.01%
Oct 13, 20267.01%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
10 Year Rapid Refinance
6.375%
-
6.431%
10 years
DetailsRapid Refinance; $0 application fee
Last Updated10/29/2026
Rate History
1 change since Oct 1, 2026 · 6.81% → 6.43% ▼ 0.38 pts · high 6.81% / low 6.43%
Oct 19, 20266.43%▼ from 6.81%
Oct 1, 20266.81%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
15 Year Rapid Refinance
6.50%
-
6.54%
15 years
DetailsRapid Refinance; $0 application fee
Last Updated10/29/2026
Rate History
1 change since Oct 1, 2026 · 6.92% → 6.54% ▼ 0.38 pts · high 6.92% / low 6.54%
Oct 19, 20266.54%▼ from 6.92%
Oct 1, 20266.92%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
20 Year Rapid Refinance
6.625%
-
6.657%
20 years
DetailsRapid Refinance; $0 application fee
Last Updated10/29/2026
Rate History
1 change since Oct 1, 2026 · 7.03% → 6.66% ▼ 0.38 pts · high 7.03% / low 6.66%
Oct 19, 20266.66%▼ from 7.03%
Oct 1, 20267.03%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
3 Year Adjustable Loan
6.625%
-
7.082%
DetailsAdjustable rate; APR assumes $200,000 loan with 10% down
Last Updated10/29/2026
Rate History
1 change since Oct 13, 2026 · 7.06% → 7.08% ▲ 0.02 pts · high 7.08% / low 7.06%
Oct 26, 20267.08%▲ from 7.06%
Oct 13, 20267.06%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
7 Year Rapid Refinance
6.25%
-
6.326%
7 years
DetailsRapid Refinance; $0 application fee
Last Updated10/29/2026
Rate History
1 change since Sep 18, 2026 · 6.70% → 6.33% ▼ 0.38 pts · high 6.70% / low 6.33%
Oct 19, 20266.33%▼ from 6.70%
Sep 18, 20266.70%first recorded
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Education Fund
0.05%
-
0.05%
DetailsSavings Programs
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Home Fund
0.05%
-
0.05%
DetailsSavings Programs
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 times
Institution Ratings
5.0
Star Rating
A+
Health Grade
◈ Texas Ratio: 2.06%
Pet Fund
0.05%
-
0.05%
DetailsSavings Programs
Last Updated10/29/2026
Rate History
No change since Sep 14, 2026 · 0.05% APY · checked 9 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 Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.01% APY · checked 4 times
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 Updated10/29/2026
Rate History
No change since Oct 13, 2026 · 0.01% APY · checked 4 times
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
2026 MBR Health & Safety Badge
Guardian Credit Union earned the Verified Healthy badge
Display this badge on your website to show visitors your 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, and this profile page always shows the latest results, so the code never needs to change.
Learn more about the MBR Health & Safety Badge program on our methodology page.
Customer Reviews
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Average Rating
☆☆☆☆☆
Total Reviews
0
Add Your Rating and Review for Guardian Credit Union
Frequently Asked Questions About Guardian Credit Union
Does Guardian Credit Union offer CDs?
Yes. Guardian Credit Union current CD rates include its 2-Year CD at 2.00% APY, its 24-Month CD at 2.00% APY and its 3-Year CD at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.
Are CDs from Guardian Credit Union NCUA insured?
Yes. Guardian Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.
What is the highest CD rate at Guardian Credit Union?
The highest Guardian Credit Union CD rate is its 2-Year CD at 2.00% APY, verified by MonitorBankRates as of October 29, 2026.
What CD terms does Guardian Credit Union offer?
Guardian Credit Union CD rates are 1.50% APY for a 12 month CD, 1.75% APY for an 18 month CD, 2.00% APY for a 2 year CD, 2.00% APY for a 3 year CD, 2.00% APY for a 4 year CD and 2.00% APY for a 5 year CD, verified by MonitorBankRates as of October 29, 2026. The institution may offer other terms or specials that are not listed here, so check with Guardian Credit Union for its full lineup.
What is the highest savings rate at Guardian Credit Union?
The highest Guardian Credit Union savings rate is its Health Savings Accounts at 0.25% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest money market rate at Guardian Credit Union?
The highest Guardian Credit Union money market rate is its Advantage Money Market at 2.70% APY, verified by MonitorBankRates as of October 29, 2026.
What is the highest checking rate at Guardian Credit Union?
The highest Guardian Credit Union checking rate is its Assurance Checking at 5.00% APY, verified by MonitorBankRates as of October 29, 2026.
What is the lowest 30 year fixed mortgage rate at Guardian Credit Union?
The lowest Guardian Credit Union 30 year fixed mortgage rate is its 30 Year Fixed Rate at 7.25%, verified by MonitorBankRates as of October 29, 2026. Guardian Credit Union mortgage rates are 7.25% for a 30 year mortgage, 7.00% for a 20 year mortgage, 6.875% for a 15 year mortgage and 6.875% for a 10 year mortgage.
What is the lowest auto loan rate at Guardian Credit Union?
The lowest Guardian Credit Union auto loan rate is its Auto Loans at 4.34% APR, verified by MonitorBankRates as of October 29, 2026. Guardian Credit Union auto loan rates are 5.29% APR for a 48 month auto loan, 5.59% APR for a 60 month auto loan, 6.19% APR for a 72 month auto loan and 6.89% APR for an 84 month auto loan.
What is the lowest personal loan rate at Guardian Credit Union?
The lowest Guardian Credit Union personal loan rate is its Signature Loans - Relationship Pricing at 11.39% APR, verified by MonitorBankRates as of October 29, 2026. Guardian Credit Union personal loan rates are 11.69% APR for a 36 month personal loan and 12.69% APR for a 48 month personal loan.
What is the lowest credit card APR at Guardian Credit Union?
The lowest Guardian Credit Union credit card APR is its Visa Platinum Credit Card at 11.74% APR, verified by MonitorBankRates as of October 29, 2026.
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.
Are all CD rates listed on MonitorBankRates federally insured?
Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.
I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?
You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.
If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?
Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.
Why are some CD offers not available for me to open?
Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.
How do Guardian Credit Union rates compare?
Guardian Credit Union's CD rates are 44% lower than the MonitorBankRates national average, and it has an A+ health rating. Guardian Credit Union's top rates are its 2-Year CD at 2.00% APY, its Health Savings Accounts at 0.25% APY, its Advantage Money Market at 2.70% APY, its Assurance Checking at 5.00% APY, its 15 Year Fixed Rate at 6.875%, its Signature Loans - Relationship Pricing at 11.39% APR and its Visa Platinum Credit Card at 11.74% APR, verified by MonitorBankRates on October 29, 2026.
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
