The Guardians Credit Union All Credit Levels is a cdfi lender from Guardians Credit Union. The ongoing APR is 12.25%. Rewards: Guardians One Rewards. This product reports activity to your personal credit report. Guardians Credit Union is a community-focused financial institution located in West Palm Beach, FL, offering a range of financial products and services to its members. They serve individuals and businesses in Florida, providing personal loans, vehicle loans, home equity loans, and specialized services for the cannabis and hemp industries. Services include: personal loans, vehicle loans, home equity loans, business loans. US Treasury certified CDFI Credit Union in West Palm Beach, FL. Membership required.