Credit union · NCUA insured
Guardian Credit Union Auto Loan Rates
Top CarrotGuardian Credit Union auto loans start at 4.50% APR for a new vehicle and 4.50% for a used one. Rates checked October 22, 2026.
How Guardian Credit Union’s auto loan rates compare
Compared with banks and credit unions near Montgomery, AL, where Guardian Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Guardian Credit Union
4.50%APR
- Terms
- up to 102 months
- Up to
- 21.95% APR
Auto Loans
Lowest rate
ASE Credit Union
2.99%APR
- Terms
- up to 84 months
- Up to
- —
2nd-lowest rate
Fedmont FCU
4.00%APR
- Terms
- up to 72 months
- Up to
- 16.00% APR
Guardian Credit Union auto loan score
89
Auto loan score
Higher than 86% of U.S. banks and credit unions
- New vehicleNew4.50%
- Used vehicleUsed4.50%
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.
Auto Loans
Membership is open to anyone who lives, works, worships, or attends school in the 16 counties served (Autauga, Butler, Chilton, Coffee, Coosa, Covington, Crenshaw, Dale, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, and Tallapoosa counties). All loans subject to credit and application approval. Qualified members may be eligible for a new-vehicle rate discount, auto pay discount, or credit life and disability coverage discount.
| Terms | APR | Conditions |
|---|---|---|
| up to 102 months | 4.50%–21.95% | Applies to New & Used Autos, Truck, Vans. Rates, discounts, and terms subject to change. Loans subject to credit and application approval. Relationship discounts (Auto Pay, Credit Life and Disability) or new vehicle discount may apply. |
Sources (3)
- myguardiancu.com/borrow/auto-loans
- myguardiancu.com/borrow/car-financing
- myguardiancu.com/lending-rates
All captured Oct 5, 2026
Who can join Guardian Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Autauga, Butler, Chilton, Coffee, Coosa, Covington, Crenshaw, Dale, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, or Tallapoosa County, Alabama.
Membership information collected October 4, 2026.