Credit union · NCUA insured
Guardians Credit Union Auto Loan Rates
Guardians Credit Union auto loans start at 4.49% APR for a new vehicle and 4.49% for a used one. Rates checked October 15, 2026.
How Guardians Credit Union’s auto loan rates compare
Compared with banks and credit unions near Miami, FL, where Guardians Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Guardians Credit Union
4.49%APR
- Terms
- —
- Up to
- —
- Discount
- Included in the rate
Auto Loan
Lowest rate
SUN Credit Union
3.99%APR
- Terms
- —
- Up to
- —
- Discount
- None included
2nd-lowest rate
American Airlines Federal Credit Union
4.09%APR
- Terms
- 37–60 months
- Up to
- 13.14% APR
- Discount
- None included
Guardians Credit Union auto loan score
87
Auto loan score
Higher than 80% of U.S. banks and credit unions
- New vehicleNew4.49%
- Used vehicleUsed4.49%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Guardians 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 Loan
Rate based on creditworthiness. Additional rate discounts available based on eligibility.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Includes rate discounts for ACH payments, protection coverage (CL and CD) and/or Loan to Value (LTV) up to 0.75% off standard rate. Rate based on creditworthiness. |
Sources (3)
All captured Oct 7, 2026
Auto Refinance
Refinance a new or used automobile to Beat the Rate by up to 1% or standard rate, whichever is better for the member. In no event will the refinanced APR be below 4.49%, unless assigned a term of 24 months for a tier 1 borrower.
| Terms | APR | Conditions |
|---|---|---|
| — | 4.49% | Beat the Rate refinances eligible consumer vehicle loans to beat current/offered rate by up to 1% APR or standard rate. Refinanced APR will not be below 4.49% unless the rate assigned is for a 24-month term to a tier 1 borrower. |
Sources (3)
- guardianscu.coop
- guardianscu.coop/personal/loans/auto
- guardianscu.coop/personal/prom…oans/auto/auto-refinance
All captured Oct 7, 2026
Who can join Guardians Credit Union
We don’t have this credit union’s membership requirements here yet. Confirm that you can join before applying.