The Guardians Credit Union is a personal line of credit from Guardians Credit Union. The annual fee is The Line of Credit annual fee is $10.00.. The ongoing APR is As low as 7.25% APR (Personal Line of Credit). Typical credit limit: Loan amounts from $500-$50,000. Loan terms: Personal Signature Line of Credit minimum payment will be 3% of the outstanding balance or $25.00, whichever is greater..