Featured Savings Rates
Featured Accounts

Guardian CU (AL)

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
2.02%5-year CD60 Month CD
0.85%1-year CD11 Month No Penalty CD
0.30%SavingsRegular Share

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

Guardian CU (AL) is headquartered in Montgomery and is the 13th largest credit union in the state of Alabama. It is also the 647th largest credit union in the nation. It was established in 1958 and as of September of 2016, it had grown to 150 employees and 47,783 members at 11 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
Employees150
Primary Regulator
Profit Margin
Return on Assets - YTD0.74%
Return on Equity - YTD7.46%
Annual Interest Income$13.7MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$375.2MM$321.0MM
LoansQ3 2016vs Q3 2015$278.3MM$232.2MM
DepositsQ3 2016vs Q3 2015$313.0MM$262.0MM
Equity CapitalQ3 2016vs Q3 2015$36.4MM$34.4MM
Loan Loss AllowanceQ3 2016vs Q3 2015$3.5MM$2.8MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.4MM$3.7MM
Real Estate OwnedQ3 2016vs Q3 2015$60.00K$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 11 locations. Click to view all Guardian CU (AL) locations.