Personal Loans

Whatever your borrowing need

Signature Loans

Guardians Credit Union understands the right loan at the right time can make all the difference in your life.

Want to take a vacation or pay for unforeseen expenses? Maybe you've been thinking of fixing up the house or consolidating debt. Whatever your borrowing needs, a personal signature loan from Guardians Credit Union can help. With our low rates and flexible repayment terms, you can pay for things you need and save money in the process. See for yourself why it pays to borrow from your credit union.

  • Quick and easy approval process
  • No application fee
  • Rates as low as 8.74% APR1
  • Terms up to 60 months
  • Automatic payments for your convenience
  • Rate discounts available based on terms and conditions

1Annual percentage rate. Rates, terms and conditions are subject to change without notice. Rate based on credit worthiness. Rates range from 8.74% APR–10.24% APR.

Line of Credit

Have convenient access to cash when you need it!

Guardians CU's line of credit offers easy access to immediate cash in addition to the following benefits:

  • Easy to establish and use by teller transaction, online, and/or overdraft protection
  • Lower-cost alternative to other unsecured revolving credit line products
  • Competitive interest rates
  • Revolving credit line without the plastic
  • No pre-payment penalty

Credit Builder/Savings Builder Loans

Building your credit is important! Our Credit Builder/Savings Builder loan is designed to help members with no credit, little credit, or unfavorable credit. The loan is used to build or rebuild your credit score.

By improving your credit score, you are likely to get better rates on loans, and save a lot of money in the process! Your successful payment history will then be reported to the credit bureaus, which can positively impact your credit score. Features of the Credit Builder/Savings Builder include:

  • Loan amount of $500–$10,000
  • Affordable APR1 of 4.00% above the current share savings rate
  • Approved loan amount is placed in a Guardians CU savings account, not eligible for withdraw, where it will earn interest
  • Terms up to 60 months

Once the loan is repaid in full, funds can be withdrawn from the savings account as desired!