Guardians Credit Union Credit Card Rates

How Guardians Credit Union’s credit card rates compare

Compared with banks and credit unions near Miami, FL, where Guardians Credit Union has the most branches. Ongoing purchase APR, lowest first.

This credit union’s lowest
Guardians Credit Union
12.25%APR
Simply
Lowest rate
Hialeah Municipal Employees Federal Credit Union
7.99%APR
Hialeah Municipal Employees Federal Credit Union rates
2nd-lowest rate
First Choice Credit Union
8.75%APR
First Choice Credit Union rates

71

Credit card score

Higher than 28% of U.S. banks and credit unions

By rate

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 credit card score, in each area where it has branches

Every rate

Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit.

Applies to	APR	Annual fee	Conditions
Ongoing	15.00%	None	Standard rate; As low as.

Sources (1)

Applies to	APR	Annual fee	Conditions
Intro, 7 months	0.00%	$89	0% introductory rate for the first seven months.
Ongoing	15.75%	$89	Standard rate; As low as.

Sources (3)

All captured Oct 15, 2026

Applies to	APR	Annual fee	Conditions
Intro, 14 months	0.00%	None	0% introductory rate on balance transfers for 14 months.
Ongoing	12.25%	None	Standard rate; As low as.

Sources (4)

All captured Oct 15, 2026

Applies to	APR	Annual fee	Conditions
Intro, 7 months	0.00%	None	0% introductory rate for the first seven months.
Ongoing	15.24%	None	Competitive standard rate; As low as.

Sources (3)

All captured Oct 15, 2026

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