Guardian Credit Union

Headquarters

7801 S Howell Ave
Oak Creek, WI 53154
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.03% 5.50% →
1-Year CD 0.05% 4.80% →
2-Year CD 0.05% 4.25% →
5-Year CD 0.05% 4.00% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Guardian is an NCUA insured institution located in Oak Creek, WI. It was founded in 1934 and has approximately $298.63 millions in assets.

Who can join?

You qualify for membership in Guardian Credit Union if you or someone in your immediate family lives or works in one of the following counties:

Milwaukee
Waukesha
Washington
Walworth
Ozaukee
Racine
Kenosha

NCUA Insured Yes / State-Chartered
Charter Number # # 66638
Date Established 1934
Assets $298.63 million
Loans $182.78 million
Deposits $265.75 million
Capital $28.68 million
 

Field of Membership Restrictions

Guardian Credit Union of Wisconsin is open to the residents, and the people that maintain employment within these qualified counties: Milwaukee, Waukesha, Washington, Ozaukee, Racine, Kenosha, and Woolworth, the employee of Harnischfeger Corporation, and the employees of the 80+ credit union affiliated select employer groups and partner companies.

Deposit Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.03% $2,500 $4,999 Learn More
Money Market
0.05% $10,000 $14,999 Learn More
Money Market
0.05% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.05% $10,000 $14,999 Learn More
6 Mo CD
0.05% $100,000 $199,999 Learn More
12 Mo CD
0.05% $10,000 $14,999 Learn More
12 Mo CD
0.05% $100,000 $199,999 Learn More
18 Mo CD
0.05% $10,000 $14,999 Learn More
18 Mo CD
0.05% $100,000 $199,999 Learn More
24 Mo CD
0.05% $10,000 $14,999 Learn More
24 Mo CD
0.05% $100,000 $199,999 Learn More
36 Mo CD
0.05% $10,000 $14,999 Learn More
36 Mo CD
0.05% $100,000 $199,999 Learn More
48 Mo CD
0.05% $10,000 $14,999 Learn More
48 Mo CD
0.05% $100,000 $199,999 Learn More
60 Mo CD
0.05% $10,000 $14,999 Learn More
60 Mo CD
0.05% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.03% $2,500 $3,499 Learn MoreShow Less

Loan Rates - November 4, 2024

Your Current Location: Ohio, OH 43085

There are currently no loan rates available for Guardian

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:



Featured - Ohio 30 Year Fixed Mortgage Rates 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Midwest Mortgage Lending
NMLS ID: 2262032
License#: RM.804810.000
6.368% 6.250% 0.75 $4,000 $1,971 Learn More
District Lending
NMLS ID: 1835285
6.380% 6.250% 0.88 $4,400 $1,971 Learn More
Pure Rate Mortgage
NMLS ID: 2578474
6.482% 6.375% 0.75 $3,610 $1,997 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.984% 6.875% 0.88 $3,545 $2,103 Learn More

Featured - Ohio Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
Intro APR
7.490 %
After Intro: 7.490 %
$0 Learn More
More Info

Note to Guardian
To upload and update your bank's rates please register. It is free to register and add rates.

Branches

Below are Guardian branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Columbus,Ohio



Climate Policy and Initiatives

GUARDIAN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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Financial Details

Guardian Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guardian. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Guardian U.S. Average
2.18% 5.83

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2024, Guardian had $590,341 in non-current loans and $52,190 in owned assets. To cover these potential losses it had $28,681,261 in net worth and $780,095 in loans loss reserves. That gives it a Texas Ratio of 2.18%.

Net Worth
Guardian U.S. Average
9.71% 13.93%

Guardian FCU has a net worth of 9.71% versus the BestCashCow average of 13.93. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Guardian

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