Guardian helps you build excellent credit
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.
Finance 101
Learn the basics of managing your money and how it is related to your goals in life.