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 516th largest credit union in the nation. It was established in 1958 and as of March of 2022, it had grown to 236 employees and 82,029 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 - YTD1.62%
Return on Equity - YTD18.12%
Annual Interest Income$9.9MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$785.7MM$719.1MM
LoansQ1 2022vs Q1 2021$630.1MM$544.4MM
DepositsQ1 2022vs Q1 2021$706.6MM$648.3MM
Equity CapitalQ1 2022vs Q1 2021$69.0MM$61.5MM
Loan Loss AllowanceQ1 2022vs Q1 2021$7.4MM$5.7MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$5.3MM$3.1MM
Real Estate OwnedQ1 2022vs Q1 2021$0$505.00K

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



Montgomery Area

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