Banking Built on Trust.
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As a member-owned credit union, every dollar you save and every loan you take helps our entire community thrive. Better rates, lower fees, and people who genuinely care.
Everything You Need to Thrive Financially
From everyday spending to long-term goals, our full suite of products is designed to help every member succeed.
Checking Accounts
Free checking with no monthly fees, early direct deposit, and a feature-packed debit card.
Savings Accounts
Up to 4.75% APYEarn more with our high-yield savings and money market accounts — members always come first.
Credit Cards
Rewards, cash back, and no foreign transaction fees on cards that work as hard as you do.
Auto Loans
From 5.24% APRCompetitive rates for new and used vehicles with flexible terms and fast approvals.
Mortgages
Finance or refinance your home with transparent terms and personal guidance from our loan officers.
Mobile & Online Banking
Bank anytime, anywhere with our award-winning app — deposits, transfers, bill pay, and more.
Today’s Rates
Rates That Work in Your Favor
Effective March 16, 2026 · Subject to change
High-Yield Savings
On balances $500+
30-Year Fixed Mortgage
As low as
New Auto Loan
Up to 60 months
Personal Loan
Starting from
Rewards Credit Card
Variable rate
APY = Annual Percentage Yield. APR = Annual Percentage Rate. Rates are effective as of the date shown and subject to change without notice. All accounts subject to approval. Membership required.
Membership Eligibility
Who Can Join Guardian Trust?
Guardian Trust Federal Credit Union was founded to serve our community, and we’ve grown to welcome a broad and diverse membership. You may be eligible if you are any of the following:
- Active duty military, veterans, and their immediate family members
- Employees of select employer groups (SEGs) in our service area
- Residents and workers in participating counties and communities
- Family members of current Guardian Trust members
- Retirees from qualifying government and federal agencies
Proud to Serve Our Community
For over 75 years, Guardian Trust has put members first — not shareholders. Our profits flow back to you through better rates and lower fees.
240,000+
Members
$3.2 Billion
In Assets
75+
Years of Service
$0
Monthly Checking Fees
Digital Banking
Your Bank, Wherever You Are
Our mobile app and online banking platform put the full power of your membership in the palm of your hand — no branch visit required.
Mobile Deposit
Snap a photo of your check and deposit it from anywhere, any time of day.
Bill Pay
Schedule and automate payments to hundreds of billers nationwide.
Instant Transfers
Move money between your Guardian Trust accounts in seconds — no waiting.
Send Money with Zelle®
Send and receive money with friends and family quickly and safely.
Account Alerts
Custom push notifications and SMS alerts keep you informed on every transaction.
Biometric Login
Sign in with Face ID or fingerprint for fast, secure access to your account.
Federally Insured
Federally insured by the NCUA up to $250,000 per depositor.
Your Security Is Our Priority
We use 256-bit encryption, multi-factor authentication, and real-time fraud monitoring to protect every transaction and keep your accounts safe around the clock.
Advice & Planning
Guidance for Every Financial Stage
Free tools, educational resources, and expert articles to help you make smart decisions with your money.
Budget Smarter
Use our free budgeting tools to track spending, set goals, and build lasting financial habits.
Mortgage Calculator
Estimate your monthly payment and see how much home you can afford with our easy calculator.
Build Your Credit
Learn the steps to establish, monitor, and improve your credit score with expert guidance.