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 & Certificate-Secured Loans
Borrow at only 2 percent above the current rate for up to 24 months.  

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 -

1. 8-Year Fixed Rate - $75,000.00 Max. 
2. 15-Year Variable Rate
   
3. 5/1 ARM (Adjustable Rate Mortgage) for up to 30 years
   
4. 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.

New/Used Car Pricing Guides
NADA website
Kelly Blue Book website