NCUA Insured
Member-Owned
2 charter
Established in 1991
Contact this credit union directly for detailed information about membership eligibility and current rates.
Membership Eligibility
Anyone who lives, works, or worships in or around West Palm Beach, FL may be eligible to join. Community credit unions are open to the general public within their service area.
Check eligibility on their website →NCUA Insured — deposits protected up to $250,000
Member-Owned — not-for-profit cooperative
2 charter
Established in 1991
Low-Income Designated
Contact this credit union directly for detailed information about membership eligibility, current rates, and services.
Services Offered
This credit union is located in West Palm Beach and serves members in the FL area. Currently serving 36,587 members.
Contact the credit union to confirm membership eligibility requirements for your area.
Credit union membership is based on a common bond. Contact this credit union directly to confirm you qualify for membership.
Key indicators from NCUA regulatory filings. Tap any metric to learn what it means.
Source: NCUA Federally Insured Credit Unions list, Q4 2025.
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.
Lowest rates currently reported by credit unions in FL (NCUA Q4 2025).
Orlando, FL
Fort Lauderdale, FL
Jacksonville, FL
Sarasota, FL
Rates from NCUA regulatory filings. Contact credit unions directly for current rates.
3.6
363 Google reviews
Reviews sourced from Google Maps. Ratings reflect member experiences at this credit union.
View on Google MapsWilliam 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
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
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
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
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.
Weekdays 9am–4pm typically have the shortest wait times for new member inquiries.
Your deposits are federally insured up to $250,000 per account category by the National Credit Union Administration (NCUA).
Phone
(561) 686-4006Website
Visit WebsiteMembers
36,587
Total Assets
$299.1M
Year Opened
1991
Net Worth
Well Capitalized
Designations
Official NCUA Data
All data sourced from the National Credit Union Administration (NCUA).
View NCUA Profile