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A couple holding gifts to the right of the words: Holiday Loan rates as low as 8% APR for 12 months!

Holiday Loans

The Holidays are coming up fast!

Do you need some extra cash for the holidays? Guardians Credit Union can help! A Guardians CU Holiday Loan can help you free up some extra cash for your important holiday expenditures. You'll enjoy a great low rate that can make your plans affordable!

  • Rates as low as 8% APR1
  • Terms of 12 months

This great offer is only available through Dec. 24, 2017 so act fast!

From all of us at Guardians Credit Union, have a happy and safe holiday season.

1The APR will be determined by your credit worthiness. Rates range from 8% A.P.R.–13% A.P.R. Please ask a member relations specialist for more details.

A sad woman holding a young child below the title: Get Some Relief!

Hurricane Loans

Get Some Relief This Hurricane Season

Did you have any unexpected expenses this hurricane season? Well Guardians Credit Union is offering a bit of relief in these hectic times. We're always On duty for you no matter the weather!

  • RATES AS LOW AS 8% APR*
  • Borrow Up to $7,500
  • With a 12- Month Term

This offer is only good through October 31, 2017 so act fast! Call Guardians Credit Union at (561) 686-4006 or apply online to get pre-approved today!

*Annual Percentage Rate. Rates, terms and conditions are subject to change without notice and are determined by your credit worthiness. Rates range from 8% – 13% APR.

A woman wearing a backpack and holding a map to the right of the CO-OP Shared Branch logo

CO-OP Shared Branch

There's always a branch within reach!

Guardians Credit Union appreciates that you love 'banking' with us and that's why we provide you with access to a network of over 5,500 credit union branches nationwide. In other words wherever you live, work, or play. To find the nearest branch:

  • Visit www.ss4cu.com then use the 'Find a Branch' feature, or
  • Download the CO-OP Shared Branch App, or
  • Call 998-748-3266 for more information

Is This the Year You Stop Procrastinating About Your Financial Plan?

Some things to think about as you get started. Provided by Jack Ramsay.

Look at your expenses and your debt

Take a look at your core living expenses (such as a mortgage payment, car payment, etc.). Can any core expenses be reduced? Investing aside, you position yourself to gain ground financially when income rises, debt diminishes and expenses decrease or stay (relatively) the same.

Maybe you should pay your debt first, maybe not

Some debt is "good" debt. A debt is "good" if it brings you income. Credit cards are generally considered "bad" debts.

If you'll be carrying a debt for a while, put it to a test. Weigh the interest rate on that specific debt against your potential income growth rate and your potential investment returns over the term of the debt. Of course, paying off debts, paying down balances and restricting new debt all works toward improving your FICO score, another tool you can use in pursuit of financial freedom (we're talking "good" debts.)

Implement or refine an investment strategy

You're not going to retire solely on the elective deferrals from your paycheck; you're to going retire (hopefully) on the interest that those accumulated assets earn over time, plus the power of compounding.

Manage the money you make

If you simply accumulate unmanaged assets, you have money just sitting there that may be exposed to risk — inflation risk, market risk, even legal risks. Don't forget taxes. The greater your wealth, the more long-range potential you have to accomplish some profound things — provided your wealth is directed.

If you want to build more wealth this year or in the near future, don't neglect the risk management strategy that could be instrumental in helping you retain it. Your after-tax return matters. Risk management should be part of your overall financial picture.

Request professional guidance for the wealth you are (or could be) growing

A good financial professional should help to educate you about the principles of wealth building. You can draw on that professional knowledge and guidance this year — and for years to come.

If you don't have a long-range investment strategy, talk to a qualified financial advisor today.

Jack Ramsay may be reached at
561-686-4006, ext. 1120 or
jack.ramsay@cunamutual.com

*This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.