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Guardian Credit Union (AL)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
www.myguardiancu.com
334-244-9999
418 Madison Ave
Montgomery, AL 36104

Guardian Credit Union (AL) is headquartered in Prattville and is the 12th largest credit union in the state of Alabama. It is also the 426th largest credit union in the nation. It was established in 1958 and as of March of 2025, it had grown to 255 employees and 92,436 members at 16 locations. Guardian Credit Union (AL)'s money market rates are 7X the national average, and it has a B+ 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, Covington, 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. "

3


Health
B+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #68374
Year Chartered1958
Employees255
Primary Regulator
Profit Margin
Return on Assets - YTD0.91%
Return on Equity - YTD10.33%
Annual Interest Income$17.3MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$1.09B$1.04B
LoansQ1 2025vs Q1 2024$880.3MM$845.9MM
DepositsQ1 2025vs Q1 2024$951.4MM$908.3MM
Equity CapitalQ1 2025vs Q1 2024$94.1MM$83MM
Loan Loss AllowanceQ1 2025vs Q1 2024$11.8MM$10.8MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$9.6MM$9.9MM
Real Estate OwnedQ1 2025vs Q1 2024$147K$217K
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/18/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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%$0-RoundUp Savings
4.00%$10k-High Rate Savings.
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
3.05%*$500k*-Money Market
OTHER TIERS: 1.65% → $2.5k - $10k | 1.70% → $10k - $25k | 1.75% → $25k - $100k | 2.45% → $100k - $250k | 2.55% → $250k - $500k

Guardian Credit Union (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.50%*$0$15kUltimate Checking
OTHER TIERS: 0.05% → $15k+
0.20%$5k-Premier Checking
0.05%$2.5k-Guardian Free Checking
0.05%$2.5k-Simplified Checking

Guardian Credit Union (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$10k-7 Month CD Special
3.80%$500-12 Month CD
3.75%$500-6 Month CD
3.65%$500-18 Month CD
3.55%$500-24 Month CD
3.50%$500-36 Month CD
3.45%$500-48 Month CD
3.40%$500-60 Month CD

Guardian Credit Union (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.25%$10k-7 Month IRA Special
3.80%$500-12 Month IRA
3.75%$500-6 Month IRA
3.65%$500-18 Month IRA
3.55%$500-24 Month IRA
3.50%$500-36 Month IRA
3.45%$500-48 Month IRA
3.40%$500-60 Month IRA
0.50%$0-Variable Rate IRA
Locations

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