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 $290.21 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 | $290.21 million |
| Loans | $184.74 million |
| Deposits | $259.26 million |
| Capital | $28.06 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 - May 10, 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 |
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|
|
Money Market
|
0.05% | $10,000 | $14,999 |
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|
|
Money Market
|
0.05% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.05% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.05% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.05% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
0.05% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
0.05% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
0.05% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
0.05% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
0.05% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.03% | $2,500 | $3,499 | Learn More |
Loan Rates - May 10, 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 |
|---|---|---|---|---|---|---|
NMLS ID: 1025894 |
6.993% | 6.875% | 1.00 | $3,864 | $2,103 | Learn More |
NMLS ID: 3030 |
7.578% | 7.500% | 0.75 | $2,453 | $2,238 | Learn More |
NMLS ID: Not a Lender |
Learn More | |||||
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
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 |
|---|---|
| 2.76% | 6.97 |
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 December 31, 2023, Guardian had $781,607 in non-current loans and $14,635 in owned assets. To cover these potential losses it had $28,060,735 in net worth and $780,095 in loans loss reserves. That gives it a Texas Ratio of 2.76%.
Net Worth
| Guardian | U.S. Average |
|---|---|
| 9.66% | 13.62% |
Guardian FCU has a net worth of 9.66% versus the BestCashCow average of 13.62. 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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