Credit union · NCUA insured
Guardian Credit Union Auto Loan Rates
Guardian Credit Union auto loans start at 5.14% APR for a new vehicle and 5.29% for a used one. Rates checked October 16, 2026.
How Guardian Credit Union’s auto loan rates compare
Compared with banks and credit unions near Milwaukee, WI, where Guardian Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Guardian Credit Union
5.14%APR
- Terms
- 49–60 months
- Discount
- None included
Relationship Pricing New Auto/Motorcycles
Lowest rate
Governmental Employees Credit Union
3.99%APR
- Terms
- —
- Discount
- None included
2nd-lowest rate
Credit Union 1
4.39%APR
- Terms
- up to 60 months
- Discount
- Included in the rate
Guardian Credit Union auto loan score
77
Auto loan score
Higher than 44% of U.S. banks and credit unions
- New vehicleNew5.14%
- Used vehicleUsed5.29%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Guardian Credit Union ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
New Autos
All loans and rates subject to credit, underwriting guidelines and approval. Rates assume LTV < 80%. New loan to GCU required for lowest qualified rate; refinances of existing GCU loans add 0.50% APR and are not eligible for 73-84 months term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.64% | Payment per $1,000 is $29.82. |
| 37–48 months | 4.94% | Payment per $1,000 is $23.01. |
| 49–60 months | 5.44% | Payment per $1,000 is $19.08. |
| 61–72 months | 5.74% | Payment per $1,000 is $16.46. |
| 73–84 months | 6.74% | Payment per $1,000 is $14.98. GCU refinances not eligible. |
Sources (1)
- guardiancu.org/auto-loan-rates · captured Oct 7, 2026
Relationship Pricing New Auto/Motorcycles
Rates reflect Relationship Pricing Program (RPP) maximum discount (up to 0.30% APR discount for 12+ points based on membership years, products/services used, and debit card activity). Auto pay is required. Rates assume LTV < 80%. New loan to GCU required for lowest qualified rate; refinances of existing GCU loans increase rate by 0.50% APR and are not eligible for 73-84 months term.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.34% | Payment per $1,000 is $29.68. Includes maximum 0.30% APR Relationship Pricing Program discount. |
| 37–48 months | 4.64% | Payment per $1,000 is $22.88. Includes maximum 0.30% APR Relationship Pricing Program discount. |
| 49–60 months | 5.14% | Payment per $1,000 is $18.94. Includes maximum 0.30% APR Relationship Pricing Program discount. |
| 61–72 months | 5.44% | Payment per $1,000 is $16.32. Includes maximum 0.30% APR Relationship Pricing Program discount. |
| 73–84 months | 6.44% | Payment per $1,000 is $14.83. GCU refinances not eligible. Includes maximum 0.30% APR Relationship Pricing Program discount. |
Sources (1)
- guardiancu.org/auto-loan-rates · captured Oct 7, 2026
Relationship Pricing Used Auto/Motorcycles
Rates reflect Relationship Pricing Program (RPP) maximum discount (up to 0.30% APR discount for 12+ points based on membership years, products/services used, and debit card activity). Auto pay is required. Rates assume LTV < 80%. New loan to GCU required for lowest qualified rate; refinances of existing GCU loans increase rate by 0.50% APR and are not eligible for 73-84 months term. Salvage/rebuilt vehicles max 70% LTV and rate increases by 0.50% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.59% | Payment per $1,000 is $29.80. Includes maximum 0.30% APR Relationship Pricing Program discount. |
| 37–48 months | 4.99% | Payment per $1,000 is $23.03. Includes maximum 0.30% APR Relationship Pricing Program discount. |
| 49–60 months | 5.29% | Payment per $1,000 is $19.01. Includes maximum 0.30% APR Relationship Pricing Program discount. |
| 61–72 months | 5.89% | Payment per $1,000 is $16.53. Includes maximum 0.30% APR Relationship Pricing Program discount. |
| 73–84 months | 6.59% | Payment per $1,000 is $14.90. GCU refinances not eligible. Includes maximum 0.30% APR Relationship Pricing Program discount. |
Sources (1)
- guardiancu.org/auto-loan-rates · captured Oct 7, 2026
Used Autos
All loans and rates subject to credit, underwriting guidelines and approval. Rates assume LTV < 80%. New loan to GCU required for lowest qualified rate; refinances of existing GCU loans increase rate by 0.50% APR and are not eligible for 73-84 months term. Salvage/rebuilt vehicles max 70% LTV and rate increases by 0.50% APR.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.89% | Payment per $1,000 is $29.93. |
| 37–48 months | 5.29% | Payment per $1,000 is $23.17. |
| 49–60 months | 5.59% | Payment per $1,000 is $19.15. |
| 61–72 months | 6.19% | Payment per $1,000 is $16.67. |
| 73–84 months | 6.89% | Payment per $1,000 is $15.05. GCU refinances not eligible. |
Sources (1)
- guardiancu.org/auto-loan-rates · captured Oct 7, 2026
Who can join Guardian Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.