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:

RateAPR*Payment per $1,000
30 Year Fixed Rate3.250%3.282%$4.35
20 Year Fixed Rate3.000%3.044%$5.55
15 Year Fixed Rate2.500%2.557%$6.67
10 Year Fixed Rate2.375%2.458%$9.37
5 Year Adjustable Rate3.000%3.099%$4.08
3 Year Adjustable Rate2.875%2.973%$4.15
1 Year Adjustable Rate2.750%2.847%$4.08
1 Year Construction Loan2.250%2.344%$3.82
12 Year Rapid Refinance2.375%2.419%$7.99
7 Year Rapid Refinance2.250%2.448%$12.88
5 Year Rapid Refinance2.125%2.350%$17.58
APR* = Annual Percentage Rate. Rates are effective as of today, may change at any time, and are subject to qualification and creditworthiness. APR stated assumes $150,000 loan with 40% down payment and a minimum qualified credit score. APR will increase with less money down and Private Mortgage Insurance (PMI) insurance costs added and increased (Loan to Value) LTV. Maximum LTV is 97% on purchases and 95% on refinances. Restrictions and rate adjustments may apply. To guarantee a rate, you must submit a rate lock application.

New Auto/Motorcycles at Guardian Credit Union

APR* (as low as)Minimum Loan AmountPayment per $1,000
Up to 36 months2.19%**$500$28.95
37 to 48 months2.19%**$5,000$22.00
49 to 60 months2.29%**$10,000$17.88
61 to 72 months2.49%**$15,000$15.20
73 to 84 months3.49%$20,000$13.44
*APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may apply. Loan application and rate is good for 30 days from application date. Guardian Credit Union has the right to change rates at any time, at their discretion. **Rates valid on new and used auto purchases and/or refinances to Guardian Credit Union currently held at another lender or finance company. Refinances of existing Guardian Credit Union loans, add 0.50% to listed rate.

Used Auto/Motorcycles

APR* (as low as)Minimum Loan AmountPayment per $1,000
Up to 36 months2.19%**$500$28.95
37 to 48 months2.19%**$5,000$22.00
49 to 60 months2.49%**$10,000$17.97
61 to 72 months2.74%**$15,000$15.31
*APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may apply. Loan application and rate is good for 30 days from application date. Guardian Credit Union has the right to change rates at any time, at their discretion. **Rates valid on new and used auto purchases and/or refinances to Guardian Credit Union currently held at another lender or finance company. Refinances of existing Guardian Credit Union loans, add 0.50% to listed rate.

Recreational Loans at Guardian Credit Union

APR* (as low as)Minimum Loan AmountPayment per $1,000
Up to 36 months2.99%$500$29.08
37 to 48 months3.24%$5,000$22.25
49 to 60 months3.99%$10,000$18.42
61 to 72 months4.39%$20,000$15.83
73 to 84 months4.64%$20,000$13.97
85 to 96 months4.89%$20,000$12.61
97 to 180 months5.49%$20,000$8.17
*APR=Annual Percentage Rate. All loans and rates are subject to credit and underwriting guidelines and approval. Other rates may apply. Loan application and rate is good for 30 days from application date. Guardian Credit Union has the right to change rates at any time, at their discretion. Recreational Loan: RV’s, Boats, ATV’s and Personal Watercraft.

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 AmountPayment per $1,000
Up to 247.99%$250$45.22
25 – 36 months7.99%$750$31.80
37 – 48 months8.99%$3,000$24.88
APR*=Annual Percentage Rate. All loans, terms and rates are subject to credit and underwriting guidelines. Minimum loan amount of $250.00. Auto pay is required for best rate, other rates will apply without auto pay. Current GCU signature loan refinances may be subject to a refinance fee. Guardian Credit Union has the right to change terms and rates at their discretion. A $5.00 savings account is required. Guardian Credit Union membership is open to those living or working in Milwaukee, Waukesha, Kenosha, Ozaukee, Racine, Walworth and Washington counties. Federally insured by NCUA.

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 AmountPayment per $1,000
Up to 60 months3.94%$5,000$18.39
61 to 84 months4.44%$5,000$13.88
85 to 120 months4.69%$5,000$10.46
121 to 180 months5.69%$5,000$8.28
APR = Annual Percentage Rate. Fixed rates reflect loans up to 80% Loan to Value (LTV). Other rates apply for LTV’s exceeding 80%. Home Equity Line of Credit rate is equal to prime rate with a floor of 4.00% APR for Loan to Value (LTV) of 80% or less. Line of credit for Loan to Value (LTV) greater than 80% the interest rate is prime rate + 2.00% APR with a floor of 6.00% APR. Line of credit rate is adjustable, may change monthly, and will not exceed 18% APR. All rates are subject to credit qualification, other rates and terms may apply. Minimum payment is 1.50% of the balance or $100.00, whichever is greater. If refinancing an existing Guardian Home Equity Loan, an additional $5,000 borrowed is required to qualify for fixed rates, non-promotional HELOC or $10,000 for promotional rate HELOC.

Home Equity (Line of Credit) Guardian Credit Union

TypeInterest 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 Promotion1.99%$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 AmountMonthly Payment
Visa Platinum7.99%$5002% of balance or $25, whichever is greater
Visa Platinum Rewards10.75%$5002% of balance or $25, whichever is greater
Visa Platinum Secured17.74%$3002% of balance or $25, whichever is greater
*APR = Annual Percentage Rate. The APR is a variable rate and is based on the Wall Street Journal Prime Rate (Index), plus a margin. The margin for the GCU VISA Platinum cards are based on certain creditworthiness and qualification criteria.

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.