Guardians Retirement & Financial Services

Our knowledgeable Guardians Retirement and Financial Services Representative can help you determine what financial and investment strategies are best for you, including IRAs, Mutual Funds, or annuities.

Our program is intended to help members organize their financial life and plan for the future. With us, you have access to a wide variety of financial management services at one location including:

• Investment Planning
• IRAs
• Life Insurance
• Rollover / IRA Transfers
• Retirement
• Fixed and Variable Annuities
• Mutual Funds
• Conservative Investments
• Educational Workshops

We take time to listen to your needs and will review your goals and make recommendations.

Share Draft

Switch to a Guardians CU checking account and enjoy no minimum balance requirements. You can also write an unlimited amount of checks each month and enjoy totally free overdraft protection.

With Guardians CU's checking, you are also able to apply for a convenient debit card that serves as your checks and ATM card, all rolled into one.

Valiant Checking

With Valiant Checking, designed exclusively for 13-17-year-olds, your teenager will quickly become accustomed to managing their own money. From writing checks and using a debit card to checking balances and transferring money from our mobile app — Valiant Checking will help prepare your young adult for a financially responsible livelihood.

Account features:

• No minimum balance
• One free box of 50 checks
• Easily manage — FREE Mobile Banking, Mobile Deposit, and Online banking
• FREE overdraft protection from savings

*Joint ownership with parent(s) or guardian over the age of 18 required. Valiant accounts are not eligible for Courtesy Pay.

Overdraft Protection

Guardians Credit Union offers free overdraft protection on its checking accounts. This means if you overdraw your checking account, we will pull available funds from either your Savings account or your Money Market account to cover the overdraft without incurring a charge. Limitations based on Regulation D apply — please reference our schedule of current charges (by asking a Guardians CU representative) for more information.

Direct Deposit / Payroll Deduction

With Direct Deposit, your entire paycheck can be automatically credited toward any combination of your accounts each pay period. It increases the safety and convenience of processing your check, eliminates waiting in payday lines, and makes your funds instantly available.

Payroll Deduction automatically deposits portions of your paycheck into the credit union accounts of your choice.

Contact your payroll department to sign up for Direct Deposit or Payroll Deduction.

Mastercard Credit Cards

We have it all from rewards, to balance transfers to impeccable member service — we have all the great amenities you'd expect from Guardians CU.

Here are just a few benefits of a Guardians CU credit card:

• Low competitive interest rates — rates as low as 8.9% A.P.R.*
• No annual fees or any hidden fees
• No fee balance transfers
• Rewards program

*Annual Percentage Rate. Subject to change and credit qualification.

Get Rewarded

In addition to competitive rates and no annual or hidden fees, you'll earn rewards every time you use your Guardians CU Mastercard Credit Card. And you can choose the reward program that's best for you — bonus points or cash back.

Bonus Points Use your Guardians CU Mastercard for all your purchases to earn points, redeemable for exciting travel and valuable merchandise. When you use your card, you'll earn one point for every $1 you spend (net purchases, returned purchases will result in those points being subtracted from your point balance), and because they never expire, the points will add up.

Cashback Choose cash back and receive 1% cash back on every dollar you spend (net). Money is credited to your credit card account quarterly.

Credit Union Mortgage Association, Inc. (CUMA)

Whether you are a first time home buyer or are looking to refinance your home, our mortgage specialists at CUMA will guide you through each step and provide easy-to-understand answers to your questions, helping you feel confident and informed.

We offer a variety of home loans to meet your needs — all at very competitive rates!

Home Equity Loans

The first type of home equity loan offered by Guardians CU is a Second Mortgage. This loan is delivered to the borrower in one lump sum at one time, with a fixed interest rate. Second mortgages are usually the best choice when you know how much you need and want the ability to pay over a long period of time.

The second type of home equity loan offered by Guardians CU is a Home Equity Line of Credit (HELOC). This is a line of revolving credit with an adjustable interest rate, great for short-term borrowing or unexpected costs such as a medical emergency. HELOCs have sometimes been compared to credit cards, in that you're given a limit. Paying off your debt will then free up more credit. Just like a credit card, you pay interest on the amount you borrow.

Interest rate based on the combined loan to value (CLTV). Financing available up to 90%. Certain credit restrictions may apply. NO CLOSING COSTS on Home Equity loans when you borrow $50,000 or more upon loan closing. Home Equity loans are available up to $450,000. Title insurance is required for loans in excess of $100,000.

Variable rate. Tied to the Wall Street Journal Prime Lending Rate plus a margin. If applicable, however, under no circumstances will the annual rate go below 4.00% for the term of the loan. The margin is determined by credit risk factors at time of closing. Adjusts quarterly. Maximum cap is 18% APR. Payment option is a percentage of the balance based on a 15 year amortization. Total loan term is 20 years, which is made up of a 5 year draw period and a loan amortization of 15 years.

Product offers, terms and other information provided herein are subject to change without notice. Due to the occasional inaccessibility to our website which may be beyond our control. Guardians Credit Union cannot guarantee the completeness or accuracy of the information provided herein. The results are not guaranteed to be accurate. Please contact the credit union at (561) 972-1307 for additional information and for complete disclosures. Guardians Credit Union does business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act.

Auto Loans

Refinance a new or used automobile with Guardians and we'll Beat the Rate you've been offered, or are already paying, elsewhere by up to 1%².

Your automobile is both a major investment as well as an important part of your everyday life. That is why Guardians CU not only gives you a great rate, we also make buying and protecting your automobile as easy and inexpensive as possible.

• Quick and easy pre-approvals
• No application fee
• Rates as low as 2.00% APR¹ for both new AND used vehicles
• Terms up to 84 months
• Peace of mind policies to protect your purchase
• Extended warranties
• Automatic payments for your convenience
• Rate discounts available based on terms and conditions

¹Annual percentage rate. Rates, terms and conditions are subject to change without notice. Rate based on creditworthiness. Rates range from 2.00% APR–17.89% APR. Payment example: 24 payments of $42.54 per $1,000 borrowed based upon a 2.00% APR.

²Beat the Rate is for refinancing of consumer vehicle loans only. Eligibility requirements apply. In no event will the refinanced APR be below 4.49%, unless the rate assigned is for a term of 24 or 36 months and issued to a tier 1 borrower, for which the standard rate for these terms applies. Beat the rate incentive is to beat the rate by up to 1% or standard rate, whichever is better for the member.

Boat Loans

Get ready to sail away with an affordable boat loan from Guardians CU!

Whether your dream is to speed through the waves or just fish on quiet still waters, Guardians CU will get you there! Our low-rate boat loans are easy on your wallet, so you can leave life's hassles on shore. Benefits of Guardians CU's boat financing:

• Quick and easy pre-approvals
• No application fee
• Rates as low as 5.75% APR¹ for both new AND used boats
• Terms up to 84 months
• Automatic payments for your convenience
• Peace of mind policies to protect your purchase
• Rate discounts available based on terms and conditions

¹Annual percentage rate. Rates, terms and conditions are subject to change without notice. Rate based on creditworthiness. Rates range from 5.75% APR–17.95% APR. Payment example: 24 payments of $44.21 per $1,000 borrowed based upon a 5.75% APR.

Guardians One Online Banking

Guardians One Online Banking is a free service that allows you to access your Guardians CU accounts 24 hours a day, seven days a week from your home or office PC with Internet access. You can easily:

• View account histories
• Check balances
• Transfer funds
• Stop payments
• Enroll for e-statements
• Verify payment amounts
• And much more!

To enroll in any of these services please ask a credit union representative.

Remote Deposits

With Guardians CU's Remote Deposits, depositing checks is as easy as a few taps on your mobile device! Simply take a picture of your check on your phone and transmit the scanned images to us for secured posting and clearing. To enroll in this service, your account must meet the following requirements:

• Account is not classified as dormant
• Account has a current mailing address
• No charged off accounts
• Account must be opened for 30 or more days

Share Savings

A share savings account is also known as your membership account. It's called a share because you actually own a part of Guardians CU when you open an account with us.

All it takes is $25 to activate your credit union membership and to open this interest-bearing account. As a member-owner in good standing, you can earn dividends from the day of deposit. Dividends are compounded and paid quarterly.

IRAs

A Guardians CU individual retirement account (IRA) is a solid way of assuring your financial security from the day you begin depositing. You can choose from the following types:

Traditional IRA Every individual under age 70½ who has earned income may contribute to this personal pension plan. The money deposited is exempt from federal taxes until you withdraw it during retirement. The money you place in your IRA may be deducted from your taxable gross income each year under certain criteria, so consult a tax advisor.

Roth IRA Unlike traditional IRAs, your contributions to a Roth IRA are made with after-tax dollars, and your withdrawals after retirement are tax-free, providing you conform to the plan requirements. The Roth IRA can offer advantages over a traditional IRA depending on your income, tax bracket and years until retirement. Consult your tax advisor to decide which plan best suits your needs.