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iAdvertiser Disclosure
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 April 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.
Read Full Bio →
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: April 19, 2026
Guardian Credit Union's savings rates are at 0.25%. Guardian Credit Union's 15 Year Fixed Rate rates are at 5.75%, 10 Year Fixed Rate rates are at 5.88%, 20 Year Fixed Rate rates are at 6.00%, 30 Year Fixed Rate rates are at 6.12%. 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 2.03%. Rates were last updated on 04/19/2026. 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 Savings Rates
Guardian Credit Union Checking Rates
Guardian Credit Union Mortgage Rates
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
Kevin Nitka
Full-Time Employees
89
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
2.03%
Return on Assets (ROA)
0.4916%
Return on Equity (ROE)
4.6221%
Non-Performing Loans Ratio (NPL)
0.37%
Total Assets
289,721,394
Total Amount of Shares and Deposits
255,813,098
Total Shares and Deposits < 1 Year
253,465,433
Total Shares and Deposits 1 3 Years
1,552,659
Total Shares and Deposits > 3 Years
795,006
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
11,413,916
Total Uninsured Shares and Deposits > $250K (F+J)
11,413,916
Total Insured Shares and Deposits > $250K (item 17 less item K)
244,399,182
Total Interest Expense (Sum of items 6 8)
1,143,981
Share Certificates
889
Number of Accounts for Share Drafts
14,062
IRA KEOGH Accounts
509
Number of Accounts for Regular Shares
34,819
All other shares
629
Money Market Shares
686
Net Income (unless the amount is already included in Undivided Earnings)
1,424,335
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
21,410,315
Total Liabilities
266,090,472
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Guardian Credit UnionIs Guardian Credit Union a safe place to deposit money?Yes, Guardian Credit Union is considered a safe financial institution. With a Texas Ratio of 2.0275612423737%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category. 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
Retrieved from our database of financial products. Rates subject to change.
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