At a glance
From its website, read 2 Nov 2026Guardians Credit Union is a credit union based in West Palm Beach, Florida. Its website describes auto loans, credit-builder loans, home mortgages and 2 other loan types. Consumer loan APRs stated on its site range from 4.49% to 12.25%. It says it considers borrowers with low or no credit history. You can start an application online.
Each point is backed by a quote further down this page. Terms change: confirm with the lender.
How to reach them and apply
| Apply online | Page with the application link |
|---|---|
| Website | www.guardianscu.coop |
| Office (official list) | 3469 Summit Boulevard, West Palm Beach, FL 33406 |
What their website says about applying
Phone numbers and addresses are the ones on the lender's own site and the CDFI Fund list. CDFI Atlas does not take applications.
Rates and terms they state
Read 2 Nov 2026| Loan | Stated | Text on the lender's site (verbatim) | Page |
|---|---|---|---|
| Loans (general) | Rate: from 6.25% APR | 6.25% APR | source |
| Loans (general) | Rate: from 7.5% APR | 7.50% APR | source |
| Loans (general) | Rate: from 12.25% APR | 12.25% APR | source |
| Auto / vehicle loans | Rate: from 4.49% APR | 4.49% APR | source |
| Personal / consumer loans | Rate: from 7.25% APR | 7.25% APR | source |
As published on the lender's website on that date, not an offer or a quote. Your rate depends on the lender's review. A missing rate means the pages we read did not state one. For consumer loans we repeat a rate only when the lender states it as an APR (annual percentage rate, which includes fees); otherwise read the lender's own wording and ask for the APR.
Who qualifies, in their words
- No or thin credit history considered
Designed for first-time buyers with limited credit history
source
Only rules the lender's own pages state. Other requirements may apply.
Official record
CDFI Fund list, 21 Oct 2026| Institution type | Credit union |
|---|---|
| Native CDFI | No |
| Date certified (as listed) | 16 Jun 2016 |
| RSSD ID | 307697 |
| Address | 3469 Summit Boulevard, West Palm Beach, FL 33406 Directions (Google Maps) |
| Website | www.guardianscu.coop |
Head officeBranch or officeApproximate (ZIP code area)
Map data © OpenStreetMap contributors, © OpenMapTiles, tiles OpenFreeMap. Head-office points: U.S. Census Bureau geocoder.
Loans and eligibility
Verified from lender site on 2 Nov 2026Read from 7 pages of the lender's website on 2 Nov 2026. Quotes are verbatim. Extracted with AI help from the pages listed below and checked automatically against them. Not reviewed by a person. Confidence: medium. Loan amounts and service area are not stated in clear text on the pages fetched, so no loan sizes or geography are recorded. Terms change — confirm with the lender before applying.
| Product | Amount stated | Text on the lender's site (verbatim, incl. menu labels) | Page |
|---|---|---|---|
| Auto / vehicle loans | — | From daily commutes to weekend adventures, our vehicle loans help finance the things that keep you moving. | source |
| Credit-builder loans | — | From building credit to covering life's expenses | source |
| Home mortgages | — | Whether you're buying a home, refinancing your mortgage, or putting your home's equity to work, we offer financing solutions for every stage of homeownership. | source |
| Personal / consumer loans | — | From building credit to covering life's expenses, our personal loan options provide flexible solutions when you need them most. | source |
| Small-business loans | — | We are proud to offer a suite of small business financing solutions | source |
Loan sizes
No amounts stated on the pages we read.
Service area
Not stated on the pages we read.
Borrower focus
- First-time homebuyers
Designed for first-time buyers with limited credit history
source
Languages
- No non-English service found on the pages we read.
Online application
Yes — the site links to an application. Apply Online
source
Pages read (7)
- https://www.guardianscu.coop/
- https://www.guardianscu.coop/personal/promotions/loans/auto/first-time-buyer-program/
- https://www.guardianscu.coop/personal/rates/loans/
- https://www.guardianscu.coop/personal/rates/home-loans/
- https://www.guardianscu.coop/personal/rates/credit-cards/
- https://www.guardianscu.coop/about/apply/consumer/
- https://www.guardianscu.coop/business/loans/vehicles/
Questions to ask when you contact them
Based on what their website said when we read it on 2 Nov 2026, and what it left out. Something missing here does not mean they don't offer it: ask.
- Do you lend where I live, or where my business is?
Their website does not say which area they serve. - How do I become a member, and is there a fee or a minimum deposit?
Credit unions lend only to their members. - What are the smallest and the largest loans you make?
No loan amounts are stated on their website. - Do you need collateral, a business plan or a minimum time in business?
Their website does not say what they require. - How long can I take to repay?
No repayment terms are stated on their website. - Do you offer down-payment help, and is a homebuyer education course required?
CDFI home loans often come with homebuyer education or down-payment help; their website does not say. - What documents will you need from me, and how long does a decision usually take?
Their website describes some application steps (above); ask for the full document list.
Write down the answers, who you spoke to and the date, and ask for the terms in writing before you sign.
CDFI Fund awards
CDFI Fund database, 3 Nov 2026$4.3 million in 4 awards from the U.S. Treasury's CDFI Fund, 2016–2024 (CDFI Program, Financial Assistance; CDFI Rapid Response Program).
| Round year | Program | Amount |
|---|---|---|
| 2024 | CDFI Program, Financial Assistance | $800,000 |
| 2021 | CDFI Rapid Response Program | $1,500,000 |
| 2020 | CDFI Program, Financial Assistance | $557,000 |
| 2016 | CDFI Program, Financial Assistance | $1,483,000 |
These are awards and investments made to the institution itself to build its capital and capacity. They are not loans to borrowers, and an award does not mean the lender has money available for a particular loan today.
Source: CDFI Fund Searchable Awards Database, all 12,628 award records (1996–2025), read 3 Nov 2026. Years are the award round as the database lists it. Matched to the official CDFI list by exact name and state; see the method on the About page.
Branches and size
NCUA, 30 Jun 2026On file with the NCUA as GUARDIANS (charter 67521). Source: NCUA 5300 Call Report quarterly data (public data) as of 30 Jun 2026, downloaded 3 Nov 2026: total assets, members and branch addresses.
| Total assets | $309.5 million (as of 30 Jun 2026) |
|---|---|
| Members | 36,157 (as of 30 Jun 2026) |
| Offices | 6 (as of 30 Jun 2026) |
Offices by state and county (6)
Florida (6 offices)
- Miami-Dade County (1): 1902 NW 14th Ave, Miami 33125
- Palm Beach County (4): 3469 Summit Blvd, West Palm Beach 33406 (main office); 1301 N Congress Ave, Boynton Beach 33426; 10130 Northlake Blvd, West Palm Beach 33412; 8993 Okeechobee Blvd, West Palm Beach 33411
- St. Lucie County (1): 4009 Okeechobee Rd, Fort Pierce 34947
An office shows where the lender has a branch, not where it lends or whom it lends to. Credit unions serve members only; check who can join. For the ZIP-code search, credit-union offices are placed at the centre of their ZIP code (approximate).
What the regulator filing shows
NCUA 5300, 30 Jun 2026Figures from the 5300 Call Report filed by Guardians Credit Union (NCUA charter 67521, filed as “GUARDIANS”). Source: NCUA 5300 Call Report quarterly data (public data), cycle 30 Jun 2026; year-earlier figures from the 30 Jun 2025 cycle; downloaded 3 Nov 2026.
| Total loans and leases | $207.4 million, 12,878 loans (as of 30 Jun 2026) |
|---|---|
| Change over the year | Down 3.0% from $213.8 million on 30 Jun 2025 |
| Members | 36,157 (as of 30 Jun 2026); 36,735 (as of 30 Jun 2025) |
| Loans per member | $5,735 (total loans divided by members, 30 Jun 2026) |
| Total assets | $309.5 million (as of 30 Jun 2026) |
Loan mix (balances on 30 Jun 2026)
| Loan category | Balance | Share |
|---|---|---|
| New vehicle loans | $18.6 million | 9.0% |
| Used vehicle loans | $54.1 million | 26.1% |
| First-lien home mortgages (1-4 family) | $58.6 million | 28.3% |
| Other real estate loans (junior liens, other) | $35.4 million | 17.1% |
| Commercial (business) loans | $5.8 million | 2.8% |
| Credit cards | $11 million | 5.3% |
| Other unsecured loans | $12.7 million | 6.1% |
| Leases and other secured loans | $11.1 million | 5.4% |
Balances are loans outstanding on the report date, not loans made during the year. A category with no balance does not mean the credit union never makes that kind of loan. Credit unions lend to members only; check who can join.
Home loans reported under HMDA (2025)
FFIEC HMDA data, 2025Guardians Credit Union reported 43 originated home loans for 2025 under the Home Mortgage Disclosure Act, totaling about $4.2M (median loan about $95,000).
By loan purpose
| Purpose | Loans | Share |
|---|---|---|
| Home improvement | 28 | 65% |
| Other purpose | 15 | 35% |
By loan type
| Loan type | Loans | Share |
|---|---|---|
| Conventional | 43 | 100% |
Where the loans were made
Counties with the most 2025 originations, out of 7 counties with at least one; 100% of its 2025 loans were for properties in Florida:
Filed under LEI 254900T8NVZTD1Q8U318 as “Guardians Credit Union”; matched by its RSSD ID on the CDFI Fund list, which the HMDA reporter panel links to this LEI.
Source: FFIEC Home Mortgage Disclosure Act (HMDA) data for 2025, snapshot frozen 2 Jun 2026, loan-level records read through the CFPB HMDA Data Browser API on 3 Nov 2026. Originated loans only; applications that were denied, withdrawn or not accepted are not counted. HMDA publishes each loan amount as the middle of a $10,000 band, so totals and medians are approximate. Counts under 3 are not shown. How we match lenders.
How it compares
Computed from public data| Measure | This lender | Compared with |
|---|---|---|
| Total assets (Call Report, 30 Jun 2026) | $309.5 million | Larger than 42% of the 19 other certified credit unions in Florida (median $493.9 million). |
| Loans as a share of assets | 67% | Median of the same 19 credit unions: 77%. A higher share means more of its balance sheet is lent out. |
| Loans held, 30 Jun 2025 → 30 Jun 2026 | $213.8 million → $207.4 million (-3%) | Median change of 19 other certified credit unions in Florida: +7%. Rank by loans held among these 20: 13 → 13. |
| Home loans originated in 2025 (HMDA) | 43 | More than 19% of the 263 other certified CDFIs that reported 3 or more (120 at the median). Volume only; nothing here is an approval rate. |
How these comparisons were worked out
| Measure | Peer group (this lender left out) | Peers | Where this lender sits |
|---|---|---|---|
| Call Report total assets | other certified credit unions in Florida | 19 | larger than 42% |
| Loans held then vs now | certified credit unions in Florida reporting both dates | 19 | rank 13 → 13 of 20 |
| HMDA home loans | certified CDFIs with 3+ originations in 2025, nationwide | 263 | more than 19% |
“Larger than X%” = the share of the peer group with a smaller value. Ranks count from the largest. Peer groups use the lender's home state when it has at least 5 peers, otherwise the whole country. Full definitions: methodology.
For comparison, not an offer and not a rating. Past records show what this lender did, not what you would be offered. Peer groups and sources: methodology. Assets and loans: FFIEC and NCUA Call Reports (see the loan-mix section). Home loans: FFIEC/CFPB HMDA data.
Other certified CDFIs in West Palm Beach and Florida
- Palm Beach County Black Business Investment CorporationLoan fund · West Palm Beach, FLOfficial list only
- BAC Funding Consortium, Inc.Loan fund · Miami, FLCommercial real estate loans, Equipment loans, Equity / venture investment, Small-business loansVerified
- BBIF Capital, Inc.Loan fund · Orlando, FLCommercial real estate loans, Microloans, Small-business loansVerified
- BLACK ECONOMIC DEVELOPMENT COALITION, INC.Loan fund · Miami, FLMicroloans, Small-business loansVerified
- Blue Coast Federal Credit UnionCredit union · Perry, FLAgriculture / farm loans, Auto / vehicle loans, Home repair / improvement loans, Personal / consumer loans…Verified
- Calhoun Liberty Credit UnionCredit union · Blountstown, FLAuto / vehicle loans, Credit-builder loans, Home mortgages, Personal / consumer loansVerified
Work at Guardians Credit Union? Link to this page
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