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Guardian

7801 S Howell Ave, Oak Creek, WI 53154
NCUA Insured4.1 (81 reviews)2 charter

Verified Information

NCUA Insured

Member-Owned

2 charter

Established in 1934

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

Location & Directions

Address

7801 S Howell Ave

Oak Creek, WI 53154

Service Area

This credit union is located in Oak Creek and serves members in the WI area. Currently serving 25,427 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

4.94%

Used Auto Loan

7.34%

Personal Loan

11.69%

Credit Card APR

15.24%

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 WI

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

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

Branches & Locations(7 total)

Member Reviews

4.1

81 Google reviews

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

View on Google Maps
Sherry

Sherry

3 months ago

I have been a loyal customer of Guardian Credit Union (Oak Creek) for several years. Although there are many wonderful things about Guardian (no fees, easily accessible ATMs, sister branches for when banking out of town, security alerts, mobile friendly app and site to manage all banking needs, etc.), the best part of Guardian is their caring staff. I recently had a bad situation when I bought some products for my dog via a Facebook sponsored business. The business was extremely difficult to deal with, would not honor the terms, and left me little to no recourse than contacting Guardian for help. I am pleased to say both customer service and the fraud analyst, Breanna, knew exactly what to do. They immediately took action to protect me, my accounts, and debit card. Breanna took the time to contact me directly for my side of the story, allowed me to send all the evidence to her for her to swiftly shut down the fraud, and make me feel like a safe and valued member. If you are looking for an institution that looks out for you, I highly recommend Guardian for all of your financial needs. ⭐️⭐️⭐️⭐️⭐️

Sandi Hillmer

Sandi Hillmer

3 months ago

My checking and savings account was hacked and I noticed 2 high purchases that I did not make. I called GCU immediately and explained my situation. They gave me excellent advice and their fraud department handled my complaint and rectified my account very professionally and quickly. When you have some like this happen it can be very stressful and they helped to ensure they had it under control and explained the process to me so I was confident they it under control.Breanna was great!

Theodore Evenson Jr

Theodore Evenson Jr

in the last week

I have had a couple of very bad experiences with the Auto Loan officers at Guardian Credit Union. Most recently I requested a 10 day pay out to sell my car to Carvana. Kristen Litwicki submitted my 10 day pay out for a 2021 Charger and after I signed the paperwork with Carvana and gave them my car Guardian went back on the 10 day Offer and demanded $4000 in addition to the 10 day pay off quote to release the title of the vehicle. Guardian didnt do anything to help or make the situation right. Based on this alone I will never get another loan through Guardian and eventually plan to close my accounts with them. I had another incident prior to this incident where Guardian double charged my account a payment and when I called to correct the issue, the loan officer was rude and hung up on me. It seems Guardians Auto Loan department is less then professional. One incident can be forgiven. But this seems to be a pattern.

Roger Gudelsky

Roger Gudelsky

5 months ago

I would like to take this opportunity to thank Breanna Sloat for all that she has done for us. Her tenacity and hard work was incredible. Her kindness toward us was reassuring and much appreciated. The outcome was more than satisfactory. We are so grateful for all that Guardian and Breanna has done for us. Thank you so so much!!!!!

Sia Thao

Sia Thao

8 months ago

Heather Rios was wonderful to work with. I recently lost my debit card and the thief made several fraudulent charges. She helped connected with the vendors and eventually was able to reimburse me. She kept me updated throughout the process and cared about my issue and concerns. I highly recommend Guardian Credit Union bank to all interested new members because they have the best employees!

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).