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Guardians Credit Union

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Guardians Credit Union Rates & Review April 2026

Q: How many branches does Guardians Credit Union operate?

Guardians 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.

Q: Is a member application needed to join Guardians Credit Union?

Yes, to access services at Guardians 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.

Q: Is there a first-time homebuyer program?

Currently, Guardians 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.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Guardians Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 24, 2026

Guardians Credit Union's Personal Loan Rates are at 8.74%. MonitorBankRates evaluates the financial stability of Guardians Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.75%. Rates were last updated on 04/24/2026.

Guardians 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 Guardians Credit Union? Share your experience about Guardians Credit Union by leaving a review below, or read customer reviews before you decide to use Guardians Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.75%

Excellent Lower than avg

Guardians Credit Union
Main Office

3469 Summit Blvd
West Palm Beach, FL 33406

https://www.guardianscu.coop/

Guardians Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term	View More
Home Equity LOC	-	-	6.50%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Guardians Credit Union Credit Card Rates

Product	Rate	APR	View More
Credit Cards	-	11.75%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Guardians Credit Union Personal Loan Rates

Product	Rate	APR	View More
Personal Loans	-	8.74%
Details As Low As Last Updated 04/19/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.75%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Guardians 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 Guardians 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 Guardians Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Guardians Credit Union

Website https://www.guardianscu.coop/

Address 3469 Summit Blvd, West Palm Beach, FL 33406

Phone 561-686-4006

Fax 561-687-9943

President Raymond Liggins

CEO Steven Bosack

Full-Time Employees 93

Part-Time Employees 5

Branch Locations 6

ATM Locations 2

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.75%

Return on Assets (ROA)

0.8648%

Return on Equity (ROE)

5.8961%

Non-Performing Loans Ratio (NPL)

0.15%

Total Assets

299,045,598

Total Amount of Shares and Deposits

246,708,728

Total Shares and Deposits < 1 Year

246,156,267

Total Shares and Deposits 1 3 Years

493,688

Total Shares and Deposits > 3 Years

58,773

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

8,400,499

Total Uninsured Shares and Deposits > $250K (F+J)

8,400,499

Total Insured Shares and Deposits > $250K (item 17 less item K)

238,308,229

Total Interest Expense (Sum of items 6 8)

1,432,754

Share Certificates

761

Number of Accounts for Share Drafts

35,617

IRA KEOGH Accounts

547

Number of Accounts for Regular Shares

53,766

All other shares

1,216

Money Market Shares

1,672

Net Income (unless the amount is already included in Undivided Earnings)

2,586,260

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

53,848,499

Total Liabilities

250,614,390

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Guardians Credit Union

Is Guardians Credit Union a safe place to deposit money?

Yes, Guardians Credit Union is considered a safe financial institution. With a Texas Ratio of 0.75438349876603%, 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 Guardians Credit Union operate?

Guardians 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 Guardians Credit Union?

Yes, to access services at Guardians 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, Guardians 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, Guardians Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Guardians Credit Union offer online and mobile banking?

Most modern institutions like Guardians 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.guardianscu.coop/.