The Guardian Credit Union is a personal loan from Guardian Credit Union. The ongoing APR is CD secured: 2% above the rate earned on the Guardian CD. Loan terms: CD secured: same as CD maturity. Secure your loan using the funds in your share account as collateral. Our members pay less over all with this secured loan because of Guardian’s low interest rate, helping you get more for less. This secured loan uses the funds in your Guardian Certificate of Deposit (CD) as collateral. The loan rate will be 2% above what you’re earning on your Guardian CD and the term will be the same as CD maturity.