Concerned about the safety of the money you have in the bank? Hear what our President, Kirk Koppenhoefer, has to say about it.

Better Service. Better Lending. Better Banking.

Guardian Savings Bank is a large lender in Cincinnati, Northern Kentucky and Lexington that puts people first. Our customers are part of a close knit community and their banking needs are both met and serviced locally. Everything from opening an account, securing a home loan or getting advice on the best banking options, we’re here for you. In a fast-paced world, you can count on Guardian Savings Bank to slow down and give you the attention you deserve.

We’re known for our
low closing costs
As low as
purchase closing
Purchase Now
As low as
refinance closing
Refinance Now

With twelve convenient branches, we're here for all of your banking needs, including:

Low closing costs
$500 purchasing closing* and $250 refinance closing* plus FHA/VA loans
Checking made easy
Free checking and traditional savings, plus free online/mobile banking, and bill pay
CDs and IRAs
Certificates of Deposit and Individual Retirement Accounts made simple

Get prequalified for a mortgage

Ready to apply for a home mortgage? Get prequalified now.
Let's Get Started

Bank with us

Let us help you meet your personal and business goals.

I have been banking with GSB for over 20 years, the tellers at the Bridgetown branch are super friendly and are always willing to go above and beyond for me and my business. They truly are extraordinary.

Marty Mercurio

We got our home loan through Guardian more than 30 years ago. It was one of the best decisions we’ve ever made. We like working with a local bank and people who knows our names. And we love the coffee bar in the Fort Wright branch!

Phil & Cindy S.

My wife and I have been with Guardian forever. We know our money is safe and unlike some big banks, we’re not charged a lot of fees. We also love the personal attention and personal touch we receive at our branch, especially from our branch manager.

John Schraer
*Additional restrictions may apply. Recording fee not included. Credit scores and LTV may cause additional fees.