The Guardian Credit Union is a home equity loan from Guardian Credit Union. Your home holds more than just memories, it holds the financial potential to help you achieve your goals. With our Home Equity Loan and HELOC options, you can access that value in the way that best fits your needs. A Home Equity Loan is best for one-time, large expenses that require a fixed amount of money. It provides you with a lump sum that you repay with fixed monthly payments.