Credit union · NCUA insured
Guardian Credit Union Credit Card Rates
Top CarrotGuardian Credit Union credit cards start at 19.95% APR on purchases, after any introductory rate. Rates checked October 22, 2026.
How Guardian Credit Union’s credit card rates compare
Compared with banks and credit unions near Montgomery, AL, where Guardian Credit Union has the most branches. Ongoing purchase APR, lowest first.
This credit union’s lowest
Guardian Credit Union
19.95%APR
- Up to
- —
Rewards Credit Card
Lowest rate
Auburn University Credit Union
7.90%APR
- Up to
- —
2nd-lowest rate
ASE Credit Union
8.99%APR
- Up to
- 17.99% APR
Guardian Credit Union credit card score
60
Credit card score
Higher than 1% of U.S. banks and credit unions
- Purchase APRPurchase APR19.95%
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 credit card score, in each area where it has branches
Every rate
Current credit card rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Rewards Credit Card
Earn one reward point for every dollar spent, redeemable for cash, travel, or merchandise. Points expire after 36 months. Rewards Credit Cards will earn points individually. Not all that apply will be approved. Rates subject to change.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 19.95% | None | Fixed monthly rate. No monthly or annual fees. |
| Intro, 6 months | 0.00% | None | 0% APR is an introductory rate for the first 6 months. Any transferred amount remaining after 6 months will accrue interest at the approved rate. Valid one time per card. Balances can be transferred from external credit cards at any time at the approved rate on existing Guardian credit cards. |
Sources (2)
All captured Oct 22, 2026
Secure Credit Card
No minimum balance required ($500 minimum encouraged); balance placed on hold to create your credit card balance.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Ongoing | 1.99% | None | Fixed monthly rate. Monthly Participation Fee - $10 applied to the card balance. No minimum balance required ($500 minimum encouraged). |
| Intro, 6 months | 0.00% | None | Introductory rate for the first 6 months on transferred balances. Any transferred amount remaining after 6 months will accrue interest at the approved rate. Valid one time per card. |
Sources (2)
All captured Oct 22, 2026
Standard Credit Card
Variable rate that adjusts with the market.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 6 months | 0.00% | None | 0% APR valid for 6 months on transferred balances. Any remaining balance of the transferred amount will start accruing at the approved rate after the first 6 months. Valid one time per card. |
No ongoing APR is published for this card, only the rate above.
Sources (2)
All captured Oct 22, 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.