Guardian Credit Union (AL)

Overview / Commentary
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 503rd largest credit union in the nation. It was established in 1958 and as of June of 2022, it had grown to 237 employees and 82,973 members at 16 locations. Guardian Credit Union (AL) has an A health rating.

Field of Membership Restrictions

Membership in Guardian Credit Union is open to individuals who live, work, worship, or attend school in the Alabama counties of Autauga, Butler, Chilton, Coosa, Crenshaw, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, or Tallapoosa. Active or retired Alabama Army or Air National Guard personnel also qualify for membership.
See current membership details

Reviews (1)

Ultimate Checking Requirement Changes April 1, 2022

Posted by: |

Guardian announced Ultimate checking requirement changes effective immediately for new accounts and effective April 1, 2022 on existing accounts.

The new requirements follow from Guardian's web page:
"Ultimate Checking
A checking account with the ultimate perks
Earn a whopping 4.0% APY on your average daily balance.***
Out-of-network ATM fee refund (up to $6/month)

Monthly Requirements
- Minimum of 25 debit card transactions
- $500 minimum spend
If the monthly requirements are not met, the dividend and ATM fee refund will not be paid and a $10 fee will be applied. One Ultimate Checking account per member. "


Health Grade Components

NCUA #68374
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD1.91%
Return on Equity - YTD21.51%
Annual Interest Income$20.6MM
Assets and Liabilities
AssetsQ2 2022vs Q2 2021$815.5MM$725.5MM
LoansQ2 2022vs Q2 2021$648.6MM$568.0MM
DepositsQ2 2022vs Q2 2021$703.3MM$651.4MM
Equity CapitalQ2 2022vs Q2 2021$70.9MM$64.1MM
Loan Loss AllowanceQ2 2022vs Q2 2021$7.8MM$6.1MM
Unbacked Noncurrent LoansQ2 2022vs Q2 2021$6.0MM$2.5MM
Real Estate OwnedQ2 2022vs Q2 2021$0$905.00K

Rates for Guardian Credit Union (AL) are currently being reviewed.



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