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Guardian Credit Union (AL)


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 522nd largest credit union in the nation. It was established in 1958 and as of June of 2020, it had grown to 217 employees and 72,329 members at 15 locations. Guardian Credit Union (AL)'s money market rates are 82% higher than the national average, and it 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

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Health
A

Data as of Q2 2020

Learn why bank health matters

Health Grade Components

Overall
NCUA #68374
Year Chartered1958
Employees217
Primary Regulator
Profit Margin
Return on Assets - YTD0.43%
Return on Equity - YTD5%
Annual Interest Income$16.3MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$650.2MM$509.9MM
LoansQ2 2020vs Q2 2019$486.2MM$434.8MM
DepositsQ2 2020vs Q2 2019$562.2MM$451.6MM
Equity CapitalQ2 2020vs Q2 2019$54.4MM$50.1MM
Loan Loss AllowanceQ2 2020vs Q2 2019$5.6MM$5.1MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$3.3MM$3.7MM
Real Estate OwnedQ2 2020vs Q2 2019$315.00K$63.00K
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
0.50%--Variable Rate IRA
0.20%*$3k*-Christmas Club
OTHER TIERS: 0.10% → $100 - $3k
0.20%*$3k*-Regular Share
OTHER TIERS: 0.10% → $100 - $3k

Guardian Credit Union (AL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.80%*$100k*-Money Market
OTHER TIERS: 0.25% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $100k

Guardian Credit Union (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%*-$30kUltimate Checking
OTHER TIERS: 0.05% → $30k+
0.20%$5k-Premier Checking
0.05%$2.5k-Guardian Free Checking

Guardian Credit Union (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%$500-60 Month CD
1.00%$500-36 Month CD
1.00%$500-48 Month CD
0.90%$500-24 Month CD
0.70%$500-18 Month CD
0.60%$500-12 Month CD
0.50%$500-6 Month CD
0.50%$10k-11 Month No Penalty CD Special

Guardian Credit Union (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.11%$500-60 Month IRA
1.00%$500-36 Month IRA
1.00%$500-48 Month IRA
0.90%$500-24 Month IRA
0.70%$500-18 Month IRA
0.60%$500-12 Month IRA
0.50%$500-6 Month IRA
Locations

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