The Guardians Credit Union is a personal loan from Guardians Credit Union. The ongoing APR is As low as 8.74% APR (Personal Signature; includes rate discounts for ACH payments, protection coverage and electronic loan closing, up to 0.75% off the standard rate). Typical credit limit: Loan amounts from $500-$50,000. Loan terms: Loans <$5K max term 36 months. Loans >$5K max term 60 months..