2. Guardian Credit Union (AL)

Guardian Credit Union (AL)

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
3.30%5-year CD
2.23% - National Average
2.02%1-year CD
2.65% - Barclays 12 Month Online CDAdvertisement
0.35%Savings
2.10% - American Express National Bank High Yield Savings AccountAdvertisement
View all Guardian Credit Union (AL) rates »

Overview / Commentary
www.myguardiancu.com
334-244-9999
418 Madison Ave
Montgomery, AL 36104

Guardian Credit Union (AL) is headquartered in Montgomery and is the 11th largest credit union in the state of Alabama. It is also the 567th largest credit union in the nation. It was established in 1958 and as of September of 2018, it had grown to 195 employees and 63,500 members at 15 locations. Guardian Credit Union (AL)'s CD rates are 3X the national average, and it has an A health rating.

Field of Membership Restrictions

Guardian Credit Union of Alabama is open to the residents, church members, registered students, and the people that maintain employment within these qualified counties: Autauga, Butler, Chilton, Coosa, Crenshaw, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, and Tallapoosa, the active and retired members of the Alabama National Guard, members of other credit unions that carried over through a merger, and the members of the other various organizations that the credit union recognizes as eligible.
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Health
A

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
NCUA #68374
Year Chartered1958
Employees195
Primary Regulator
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD14.72%
Annual Interest Income$19.4MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$487.5MM$451.0MM
LoansQ3 2018vs Q3 2017$413.5MM$341.8MM
DepositsQ3 2018vs Q3 2017$413.6MM$387.2MM
Equity CapitalQ3 2018vs Q3 2017$45.5MM$39.7MM
Loan Loss AllowanceQ3 2018vs Q3 2017$5.1MM$4.3MM
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$4.0MM$4.5MM
Real Estate OwnedQ3 2018vs Q3 2017$30.00K$372.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Guardian Credit Union (AL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%--RoundUp Savings
0.75%--Variable Rate IRA
0.35%*$3k*-Christmas Club
OTHER TIERS: 0.20% → $100 - $3k
0.35%*$3k*-Regular Share
OTHER TIERS: 0.20% → $100 - $3k

Guardian Credit Union (AL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$100k*$1mMoney Market
OTHER TIERS: 0.25% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k

Guardian Credit Union (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5k-Premier Checking
0.15%$2.5k-Free Checking

Guardian Credit Union (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$500-60 Month CD
2.84%$500-48 Month CD
2.79%$10k-36 Month CD Special
2.73%$10k-24 Month CD Special
2.63%$500-36 Month CD
2.63%$10k-12 Month CD Special
2.53%$500-24 Month CD
2.38%$500-18 Month CD
2.32%$500-12 Month CD
2.02%$10k-11 Month No Penalty CD Special
1.51%$500-6 Month CD

Guardian Credit Union (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$500-60 Month IRA
2.84%$500-48 Month IRA
2.63%$500-36 Month IRA
2.53%$500-24 Month IRA
2.38%$500-18 Month IRA
2.32%$500-12 Month IRA
1.51%$500-6 Month IRA
Locations

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