|
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.
 Guardians Credit Union Rates & Review November 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 and Verified: October 30, 2026
Guardians Credit Union's Promotional CD - 12 month rates are at 3.25%, Promotional CD - 6 month rates are at 3.25%, Promotional CD - 9 month rates are at 3.25%, CD - 36 month rates are at 0.65%, CD - 48 month rates are at 0.65%. Guardians Credit Union's savings rates are at 0.30%. Guardians Credit Union's money market rates are at 0.45%. Guardians Credit Union's Personal Loan Rates are as low as 7.25%. Guardians Credit Union's Credit Card Rates are at 12.25%. Guardians Credit Union's CD rates are 79% lower than the MonitorBankRates national average, and it has an A+ health rating. 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 1.80%. Rates last updated and verified on 10/30/2026. 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. Guardians Credit Union
Main Office 3469 Summit Blvd
https://www.guardianscu.coop/ West Palm Beach, FL 33406  Customer Reviews
Be the first to review
Write a Review
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. Guardians Credit Union CD Rates
Guardians Credit Union Savings Rates
Guardians Credit Union Money Market Rates
Guardians Credit Union Home Equity & HELOC
Guardians Credit Union Auto Loan Rates
Guardians Credit Union RV, Boat and Powersport Loan Rates
Guardians Credit Union Credit Card Rates
Guardians Credit Union Personal Loan Rates
Guardians Credit Union Other Rates
Financial Health HistoryGuardians Credit Union’s Texas Ratio stayed near 2.18% in Q3 2023 to 1.80% 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
Powered by
MonitorBankRates
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 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
95
Part-Time Employees
6
Branch Locations
6
ATM Locations
2
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
1.80%
Return on Assets (ROA)
0.2621%
Return on Equity (ROE)
1.7858%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
309,546,267
Total Amount of Shares and Deposits
256,370,292
Total Shares and Deposits < 1 Year
256,023,184
Total Shares and Deposits 1 3 Years
265,929
Total Shares and Deposits > 3 Years
81,179
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
10,963,577
Total Uninsured Shares and Deposits > $250K (F+J)
10,963,577
Total Insured Shares and Deposits > $250K (item 17 less item K)
245,406,715
Total Interest Expense (Sum of items 6 8)
848,915
Share Certificates
825
Number of Accounts for Share Drafts
37,167
IRA KEOGH Accounts
566
Number of Accounts for Regular Shares
55,622
All other shares
1,227
Money Market Shares
1,699
Net Income (unless the amount is already included in Undivided Earnings)
811,394
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)
67,416,132
Total Liabilities
259,544,367
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
There are no reviews for Guardians 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.
Add Your Rating and Review for Guardians Credit Union
Frequently Asked Questions About Guardians Credit UnionDoes Guardians Credit Union offer CDs?Yes. Guardians Credit Union current CD rates include its Promotional CD - 12 month at 3.25% APY, its Promotional CD - 6 month at 3.25% APY and its Promotional CD - 9 month at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. Are CDs from Guardians Credit Union NCUA insured?Yes. Guardians 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 Guardians Credit Union?The highest Guardians Credit Union CD rate is its Promotional CD - 12 month at 3.25% APY, verified by MonitorBankRates as of October 30, 2026. What CD terms does Guardians Credit Union offer?Guardians Credit Union CD rates are 3.25% APY for a 6 month CD, 3.25% APY for a 9 month CD, 0.55% APY for a 12 month CD, 0.65% APY for a 3 year CD, 0.65% APY for a 4 year CD and 0.65% APY for a 5 year CD, verified by MonitorBankRates as of October 30, 2026. The institution may offer other terms or specials that are not listed here, so check with Guardians Credit Union for its full lineup. What is the highest savings rate at Guardians Credit Union?The highest Guardians Credit Union savings rate is its Savings at 0.30% APY, verified by MonitorBankRates as of October 30, 2026. What is the highest money market rate at Guardians Credit Union?The highest Guardians Credit Union money market rate is its Money Market at 0.45% APY, verified by MonitorBankRates as of October 30, 2026. What is the lowest personal loan rate at Guardians Credit Union?The lowest Guardians Credit Union personal loan rate is its Personal Line of Credit at 7.25% APR, verified by MonitorBankRates as of October 30, 2026. What is the lowest credit card APR at Guardians Credit Union?The lowest Guardians Credit Union credit card APR is its Simply Credit Card at 12.25% APR, verified by MonitorBankRates as of October 30, 2026. 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/. 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 Guardians Credit Union rates compare?Guardians Credit Union's CD rates are 79% lower than the MonitorBankRates national average, and it has an A+ health rating. Guardians Credit Union's top rates are its Promotional CD - 12 month at 3.25% APY, its Savings at 0.30% APY, its Money Market at 0.45% APY, its Personal Line of Credit at 7.25% APR and its Simply Credit Card at 12.25% APR, verified by MonitorBankRates on October 30, 2026. Current Guardians Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
Compare to Other Credit Unions
Dowagiac Area Federal Credit Union
Members First Credit Union of NH
Heritage South Credit Union
Electrical Workers Local 58 Credit Union
Hopewell Federal Credit Union
Philadelphia Federal Credit Union
South Bay Credit Union
Good Neighbors Federal Credit Union
Mid-Hudson Valley Federal Credit Union
Irving City Employees Federal Credit Union
Harvard University Employees Credit Union
Buffalo Police Federal Credit Union
Montell Federal Credit Union
Dynamic Federal Credit Union
Troy Credit Union
Virginia Coop Credit Union
The Southern Credit Union
Boulevard Federal Credit Union
Ziegler Federal Credit Union
PostCity Financial Credit Union
Gundersen Credit Union
|
|||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
