Guardian Credit Union Wisconsin Info + Reviews
Guardian Credit Union is the CU that we’ll be focusing on here. I’ll be digging into a lot of important info on them, giving some opinions, and we’ll take a look at other important details like whether they’re involved with any philanthropy or not.
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In this article, you’ll find important info like the Guardian Credit Union routing number, phone, and what type of offerings they have. We’ll also get into rates.
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*Main office address: 7801 S. Howell Ave. Oak Creek, WI 53154
*Member Service Phone Line: (414) 546-7450
*GCU Headquarters Lobby Hours:
M-F: 9:00 a.m.-6:00 p.m.
Sat: 9:00 a.m. – 12:00 p.m.
Schedule an appointment
*Drive Thru Hours:
M-F: 8:30 a.m.-6:00 p.m.
Sat: 9:00 a.m. – 1:00 p.m.
They have six branch locations in Oak Creek, West Milwaukee, Menomonee Falls, Waukesha, and South Milwaukee.
*Routing #: 275079976
A Little History of Guardian Credit Union
This Wisconsin credit union started around the same time that many others did, the early ’30s. They were started in the same building as a company called the Harnischfeger Corporation. Try saying that five times fast. There isn’t too much else on their history, but the stories are usually pretty similar.
That Harnischfeger Corp is still around today, though, so that’s pretty neat. It seems like a lot of the businesses where CU’s got started in have been
How to Become A Member
If you want to become a member of Guardian Credit Union, you will need to meet some requirements. In addition to that, you will need to open a savings account and maintain a $5.00 minimum balance. That is pretty standard at other CU’s around the United States.
You can qualify through employment if you are an employee or retiree of P&H Mining Equipment, Wisconsin Gas Company, or Bucyrus Erie. If you live or work in Milwaukee, Waukesha, Washington, Walworth, Ozaukee, Racine or Kenosha Counties or who have immediate family who do, then you also qualify for membership.
Financial Products at Guardian Credit Union
Guardian offers standard financial products, like various checking accounts, savings accounts, and a handful of loan products. They offer four different checking accounts: Free 4 U, Reserved, Platinum, and their Student Checking account.
Checking Terms and Features
Free 4 U: No minimum balance, no monthly fee, Not interest-earning.
Reserved: Interest-bearing account, Free with direct deposit, No minimum balance, No Monthly fee with recurring deposit
Platinum: Must maintain a $2,500 minimum balance, $15 monthly fee if $2,500 balance not maintained, Tiered interest rates
Student Checking at Guardian Credit Union: For students ages 13-24, No minimum balance, No monthly fee, Not interest-earning
Savings Accounts
You can choose from a number of savings accounts, like regular savings, Blue Money Market, Certificates of Deposit, IRAs and even Health Savings Accounts. Their Blue Money Market account has a $2,500 minimum balance with no monthly fee if the $2,500 min is maintained. They have tiered interest rates at $2,500 and $10,000.
There are youth savings accounts for your kids, too. Their kids club accounts, teen club accounts, and student checking accounts can meet the needs of every age level at Guardian Credit Union.
*Rates – subject to change at any time
Featured Mortgage Rates:
| Rate | APR* | Payment per $1,000 | |
|---|---|---|---|
| 30 Year Fixed Rate | 3.250% | 3.282% | $4.35 |
| 20 Year Fixed Rate | 3.000% | 3.044% | $5.55 |
| 15 Year Fixed Rate | 2.500% | 2.557% | $6.67 |
| 10 Year Fixed Rate | 2.375% | 2.458% | $9.37 |
| 5 Year Adjustable Rate | 3.000% | 3.099% | $4.08 |
| 3 Year Adjustable Rate | 2.875% | 2.973% | $4.15 |
| 1 Year Adjustable Rate | 2.750% | 2.847% | $4.08 |
| 1 Year Construction Loan | 2.250% | 2.344% | $3.82 |
| 12 Year Rapid Refinance | 2.375% | 2.419% | $7.99 |
| 7 Year Rapid Refinance | 2.250% | 2.448% | $12.88 |
| 5 Year Rapid Refinance | 2.125% | 2.350% | $17.58 |
New Auto/Motorcycles at Guardian Credit Union
| APR* (as low as) | Minimum Loan Amount | Payment per $1,000 | |
|---|---|---|---|
| Up to 36 months | 2.19%** | $500 | $28.95 |
| 37 to 48 months | 2.19%** | $5,000 | $22.00 |
| 49 to 60 months | 2.29%** | $10,000 | $17.88 |
| 61 to 72 months | 2.49%** | $15,000 | $15.20 |
| 73 to 84 months | 3.49% | $20,000 | $13.44 |
Used Auto/Motorcycles
| APR* (as low as) | Minimum Loan Amount | Payment per $1,000 | |
|---|---|---|---|
| Up to 36 months | 2.19%** | $500 | $28.95 |
| 37 to 48 months | 2.19%** | $5,000 | $22.00 |
| 49 to 60 months | 2.49%** | $10,000 | $17.97 |
| 61 to 72 months | 2.74%** | $15,000 | $15.31 |
Recreational Loans at Guardian Credit Union
| APR* (as low as) | Minimum Loan Amount | Payment per $1,000 | |
|---|---|---|---|
| Up to 36 months | 2.99% | $500 | $29.08 |
| 37 to 48 months | 3.24% | $5,000 | $22.25 |
| 49 to 60 months | 3.99% | $10,000 | $18.42 |
| 61 to 72 months | 4.39% | $20,000 | $15.83 |
| 73 to 84 months | 4.64% | $20,000 | $13.97 |
| 85 to 96 months | 4.89% | $20,000 | $12.61 |
| 97 to 180 months | 5.49% | $20,000 | $8.17 |
Signature loans at Guardian Credit Union
Effective as of December 1, 2021. Rates are subject to change at any time.
| APR* (as low as) | Minimum Loan Amount | Payment per $1,000 | |
|---|---|---|---|
| Up to 24 | 7.99% | $250 | $45.22 |
| 25 – 36 months | 7.99% | $750 | $31.80 |
| 37 – 48 months | 8.99% | $3,000 | $24.88 |
Home Equity Loans at Guardian Credit Union
Effective as of December 1, 2021. Rates are subject to change at any time.
| APR* (as low as) | Minimum Loan Amount | Payment per $1,000 | |
|---|---|---|---|
| Up to 60 months | 3.94% | $5,000 | $18.39 |
| 61 to 84 months | 4.44% | $5,000 | $13.88 |
| 85 to 120 months | 4.69% | $5,000 | $10.46 |
| 121 to 180 months | 5.69% | $5,000 | $8.28 |
Home Equity (Line of Credit) Guardian Credit Union
| Type | Interest Rate APR (as low as) | Minimum Loan Amount | |
|---|---|---|---|
| Line of Credit (<80% LTV) | 4.000% | $5,000 | |
| Line of Credit (>80% LTV) | 6.000% | $5,000 | |
| Line of Credit Promotion | 1.99% | $10,000 |
Credit Cards at Guardian Credit Union
Effective as of December 1, 2021. Rates are subject to change at any time.
Effective as of December 1, 2021. Rates are subject to change at any time.
| APR* (as low as) | Minimum Loan Amount | Monthly Payment | |
|---|---|---|---|
| Visa Platinum | 7.99% | $500 | 2% of balance or $25, whichever is greater |
| Visa Platinum Rewards | 10.75% | $500 | 2% of balance or $25, whichever is greater |
| Visa Platinum Secured | 17.74% | $300 | 2% of balance or $25, whichever is greater |
Philanthropy
Guardian Credit Union is involved in giving back to the community through a handful of different ways. They give to a handful of local charities, they have a scholarship program for college students and also help several families during the holidays with things like food, coats, and toys.
Guardian Credit Union: Tying It All Together
Guardian is a solid credit union if you’re looking for one in Wisconsin and you fall into their field of membership to qualify. It’s not the biggest, but, that’s not a bad thing. They’re big enough to be solid and reliable but small enough for the community feel.
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*All information in this article was current at the time of this writing, however, it could change without notice. We do our best to keep these updated, however, there is no guarantee you will find the same information on the CU’s website or at the time of opening an account with them.
*This site is not affiliated with the Credit Union mentioned in this article.