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Guardians

3469 SUMMIT BLVD, West Palm Beach, FL 33406
NCUA Insured3.6 (363 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1991

Contact this credit union directly for detailed information about membership eligibility and current rates.

Location & Directions

Address

3469 SUMMIT BLVD

West Palm Beach, FL 33406

Service Area

This credit union is located in West Palm Beach and serves members in the FL area. Currently serving 36,587 members.

Membership Info:

Contact the credit union to confirm membership eligibility requirements for your area.

Note on Membership

Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.

Financial Health

Q4 2025 · NCUA

Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.

Source: NCUA Federally Insured Credit Unions list, Q4 2025.

Loan Rates

Rates sourced from NCUA call report data (Q4 2025). Contact the credit union for current rates and terms.

New Auto Loan

5.79%

Used Auto Loan

5.79%

Personal Loan

17.95%

Credit Card APR

17.99%

Important: Rates are sourced from NCUA call report filings (Q4 2025) and reflect averages reported by the credit union — not guaranteed quotes. Contact the credit union directly for current rates and terms.

Your actual rate will vary based on your credit score, loan term, and financial profile. Personal loans and credit cards tend to see the most variation.

Best Rates in FL

Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).

Rates from NCUA regulatory filings. Contact credit unions directly for current rates.

Branches & Locations(6 total)

Member Reviews

3.6

363 Google reviews

Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.

View on Google Maps
William Sternberg

William Sternberg

4 months ago

The worst financial experience I’ve ever had. What should have taken a couple of days dragged out to two weeks. Repeated requests for previously provided documentation, repeated contradictory policy statements. Very poor communication only via email. In short: gross incompetence. I cancelled my application in frustration and disgust

Patrick Prentice

Patrick Prentice

3 years ago

If I could give this place 10 stars, I would! They were so helpful and were extremely accommodating! I was assisted by Michelle Morales, who made my experience incredibly smooth and pain free. If you live or work in Palm Beach County I would HIGHLY recommend opening an account here! 😊👍

Tasha Coppin

Tasha Coppin

9 months ago

I visited the Guardian Credit Union today in West Palm Beach and had the best customer service experience ever from a bank. I needed to replace my debit card and received assistance from a representative named Hyacinth. She was extremely helpful and patient despite the system issues that kept occurring and was determined to get it fixed. This is why we are customers for the last 35yrs and now for a lifetime. Thank You Tasha Coppin

Brent miller

Brent miller

a month ago

What an amazing person. Went above and beyond to help me. More than that gave my daughter a baby Jesus and candy made her whole day. God bless and thank you 🙏🏼

daniela da silva

daniela da silva

a year ago

I had such a great experience buying my car thanks to Hivet Velasquez! From the start, she was super friendly, knowledgeable, and honest, which made the whole process so much easier and stress-free. She answered all my questions with patience and made sure I felt comfortable every step of the way. You can tell she genuinely cares about her customers and goes the extra mile to help. I absolutely love my car and couldn’t be happier with how everything turned out. Highly recommend working with her.

Contact Tips

Best Time to Call

Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.

What to Ask

  • • Current loan rates & terms
  • • Membership eligibility requirements
  • • Minimum deposit to open an account
  • • Online & mobile banking features

NCUA Insured

Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).