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Overview / Commentary
334-244-9999
418 Madison Ave
Montgomery, AL 36104

Guardian CU (AL) is headquartered in Montgomery and is the 14th largest credit union in the state of Alabama. It is also the 646th largest credit union in the nation. It was established in 1958 and as of December of 2016, it had grown to 151 employees and 48,850 members at 13 locations. Guardian CU (AL)'s money market rates are 93% higher than 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

Health Grade Components

Overall
NCUA #68374
Year Chartered1958
Employees151
Primary Regulator
Profit Margin
Return on Assets - YTD0.73%
Return on Equity - YTD7.6%
Annual Interest Income$18.2MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$376.5MM$334.8MM
LoansQ4 2016vs Q4 2015$286.7MM$241.7MM
DepositsQ4 2016vs Q4 2015$320.3MM$276.1MM
Equity CapitalQ4 2016vs Q4 2015$36.2MM$33.7MM
Loan Loss AllowanceQ4 2016vs Q4 2015$3.5MM$3.0MM
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$3.4MM$3.9MM
Real Estate OwnedQ4 2016vs Q4 2015$0$15.00K
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 CU (AL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.09%--RoundUp Savings
0.60%$25-Variable Quarterly IRA
0.30%*$3k*-Club Account
OTHER TIERS: 0.20% $100 - $3k
0.30%*$3k*-Regular Share
OTHER TIERS: 0.20% $100 - $3k

Guardian CU (AL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.85%*$100k*-Money Market
OTHER TIERS: 0.25% $2,500 - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.75% $50k - $100k

Guardian CU (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%$5k-Premier Checking
0.15%$2,500-Free Checking

Guardian CU (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.02%$500-60 Month CD
1.76%$500-48 Month CD
1.36%$36k-36 Month CD Special
1.26%$500-36 Month CD
1.21%$25k-24 Month CD Special
1.11%$500-24 Month CD
1.05%$500-18 Month CD
1.00%$25k-12 Month CD Special
0.90%$500-12-17 Month CD
0.85%$25k-11 Month No Penalty CD
0.65%$500-6 Month CD

Guardian CU (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.36%$500-36 Month IRA
1.21%$500-24 Month IRA
1.00%$500-12 Month IRA
0.65%$500-6 Month IRA
Locations

Guardian CU (AL) has 13 locations. Click to view all Guardian CU (AL) locations.