A Guardian Credit Union Member is enjoying home porch, feet propped up comfortably while engaged with the Guardian Credit Union App on their smartphone, focusing on her financial wellness.

Plan Your Spending

Knowing where your money goes is key to financial success, no matter how small the transaction. Stay in control with tools that help you spend smarter, save better, and make the most of every dollar—available right inside your Digital Banking experience.










Innovative Tools for a Brighter Future

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Plan Your Spending

You can easily view, organize, and track every transaction with our Spending tool inside Digital Banking. Navigate to Spending under Financial Tools to gain clear insights into your spending habits.

  • Filter through accounts to track spending
  • Compare spending breakdown per month and category
  • Review list of recurring monthly expenses
  • Assign spending categories for every transaction

Couple using a laptop in a kitchen to review a Guardian Credit Union's Savings Goals calculator with charts and projections, planning their finances together.

Set Savings Goals

Stay motivated to save and achieve financial stability with our Savings Goals tool inside Digital Banking. Navigate to Savings Goals under Financial Tools to start setting aside money for things you want today.

  • Choose a savings goal category

  • Assign a title, goal amount, and target date of completion

  • Review your real-time progress

  • Add more money towards your goals to speed up the process

































Guardian Credit Union’s Builder Builder tool helps track income, needs, savings, and wants

Budget Builder

Ready to tailor your budget and meet your financial goals? Take control of your finances with our Budget Builder tool, designed to help you manage your money with ease.

  • Enter monthly financial details (income, needs, savings, wants)
  • See personalized budget come to life
  • Download your budget once its complete
  • Connect with a Guardian Certified Financial Counselor for extra guidance

Woman reviewing financial reports and charts, using Guardian Credit Union services for budgeting

Financial Calculators

 
Life is full of financial decisions—big and small. Guardian Credit Union’s free Financial Calculators help you plan with confidence. Whether you're saving, borrowing, or budgeting, explore your options and take control of your financial future.
 

  • Auto Calculators

  • Credit Card & Debt Calculators

  • Savings Calculators

  • Personal Finance Calculators

  • Retirement Calculators

  • Loan & Mortgage Calculators

  • Tax Calculators

  • Insurance Calculators

Guardian Credit Union digital tools displaying mortgage calculator, educational article on APR, and interactive Banzai Plus game, promoting financial literacy and smart money decisions for members.

Financial Literacy

We’re proud to offer free, real-world financial literacy resources through our partnership with Banzai. Whether you’re just getting started or looking to strengthen your financial knowledge, these topics offer practical lessons to help you build confidence and make informed decisions at every stage of life.
 

  • Saving, Budgeting & Everyday Money Management

  • Borrowing, Credit & Debt

  • Housing & Insurance

  • Retirement & Investing

  • Taxes & Income

  • Life Changes & Major Milestones

  • Entrepreneurship & Running a Business





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Meet with our Certified Financial Counselors

Our Certified Financial Counselors are here to provide personalized guidance on improving money habits, budgeting, debt management, savings strategies, and overall financial wellness.