Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Adminstration, a U.S. Government Agency.
We offer loans to meet a variety of needs. In addition to closed-end loans, we offer loans on our convenient Loanliner system. All you have to do is complete the loan application and meet the necessary qualifications, and we can make your loans quickly and efficiently ... in person, by mail, by email, or by phone.
A member must have been gainfully employed for two years and a member of the credit union for two years to qualify for a signature loan. No waiting period is required for collateral loans. Remember to ask us about payroll deduction - it makes repaying our loan convenient and easy!
Signature Loans This is an open-end credit loan. Minimum monthly payments vary according to the balance owed. These are granted for any worthwhile purpose.
Share-Secured Loans Borrow at only 3 percent above current dividend rates for up to 36 months, or at 4.5 percent above current dividend rates for payment terms ranging from 37 to 60 months.
Share Certificate-Secured Loans Pay only 3 percent above the rate currently being paid on your share certificate. Borrow at one of the lowest interest rates!
Other Types of Loans Super credit loans, new and used autos, trucks and vans, boats, motor homes, motorcycles, mobile homes, farm equipment and vehicles, new household goods, and much more! If you don't see the type of loan you need, call an experienced loan officer. We're working for you!
Real Estate 1st and 2nd Mortgage Options: We offer -
8-Year Fixed Rate - $75,000.00 Max.
15-Year Variable Rate
5/1 ARM (Adjustable Rate Mortgage) for up to 30 years
7/1 ARM (Adjustable Rate Mortgage) for up to 30 years
1st Mortgage – If a re-finance, 80% of appraised value. If a purchase, 80% of appraised value or purchase price, whichever is less. 2nd Mortgage – 80% of appraised value less 1st mortgage.
Home Equity Line of Credit – 80% of appraised value less 1st mortgage.
Construction Loans – Must have permanent financing in place. (80% of appraisal)
Land Only – 50% of appraised value.
Guardian Credit Union offers Conventional Mortgage Loans only. We do not handle FHA, VA or HUD Loans.
Click Here to See ITEMS NEEDED CHECKLIST for all Mortgage Loans. Please contact a Mortgage Loan Officer for a Residential Loan Application.
A member must have been gainfully employed for two years and a member of the credit union for two years to qualify for a signature loan. No waiting period is required for collateral loans. Remember to ask us about payroll deduction - it makes repaying our loan convenient and easy!