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 574th largest credit union in the nation. It was established in 1958 and as of December of 2018, it had grown to 202 employees and 64,720 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 Grade Components

NCUA #68374
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD1.3%
Return on Equity - YTD13.46%
Annual Interest Income$26.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$487.0MM$450.1MM
LoansQ4 2018vs Q4 2017$415.0MM$357.0MM
DepositsQ4 2018vs Q4 2017$424.3MM$391.7MM
Equity CapitalQ4 2018vs Q4 2017$47.0MM$41.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$4.9MM$4.3MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$4.8MM$4.6MM
Real Estate OwnedQ4 2018vs Q4 2017$88.00K$290.00K
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Always verify rates and promotions with the bank or credit union. We are not Guardian Credit Union (AL); we are a rate comparison website and cannot provide official rates or promotions.

* 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

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

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

0.50%$5k-Premier Checking
0.15%$2.5k-Free Checking

Guardian Credit Union (AL) CD Rates

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

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


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