Guardian helps you build excellent credit

 
Guardian Financial UI
 
 

It’s time your bank account did something.

Signing up does not affect your credit.

The Cost of Bad Credit

 

Bill - Acceptable Credit

  • Credit Score - 690

  • Interest Rate - 8.73%

  • Total Payments: $61,406 👎

Tesla Model 3 / $44,990 / 72 Months

Nima - Amazing Credit

  • Credit Score - 840

  • Interest Rate - 2.34%

  • Total Payments: $51,715 🙌


Bad credit costs you ~6,,000-8,000 extra for the average car sold in the U.S., and even $100,000s more for U.S. homes

 

The Essentials

Safe

Military-grade encrypted, FDIC insured, & accepted everywhere

 

Fast

See a change on your credit report within the first month

 

Flexible

Save and spend on your terms and timeline

*All Guardian accounts are insured for up to all accounts total of $250,000 by the FDIC

 

$4.99/month

Credit Builder Savings Account

Get access to the world’s only savings account that builds you credit the more you use it for less than the cost of a Big Mac with fries. Save up for your future and give your future self the advantage you deserve.

$6.99/month

Credit Builder Savings Account + Credit Building Checking Account

Not satisfied with only our savings account? Level up your spending with the ultimate credit building bundle. Let us turn your groceries, rents, and nights out into the foundation of your good credit.

 
 

It’s never too early or too late to build credit.

Applying for a Guardian Account does not hurt your credit.

Our Commitment to Personal Finance


Learn even more about personal finance with Guardian’s Finance 101, covering everything from saving, investing, building credit, and how to manage debt.


Two Birds, One Stone

At Guardian, we turn your regular saving and spending.

Start your financial journey today!