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 514th largest credit union in the nation. It was established in 1958 and as of December of 2020, it had grown to 225 employees and 75,536 members at 15 locations. Guardian Credit Union (AL)'s money market rates are 36% 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 Grade Components

NCUA #68374
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD1.02%
Return on Equity - YTD11.56%
Annual Interest Income$33.8MM
Assets and Liabilities
AssetsQ4 2020vs Q4 2019$694.1MM$574.1MM
LoansQ4 2020vs Q4 2019$528.0MM$444.0MM
DepositsQ4 2020vs Q4 2019$599.2MM$491.4MM
Equity CapitalQ4 2020vs Q4 2019$59.9MM$51.8MM
Loan Loss AllowanceQ4 2020vs Q4 2019$5.3MM$5.1MM
Unbacked Noncurrent LoansQ4 2020vs Q4 2019$4.2MM$6.1MM
Real Estate OwnedQ4 2020vs Q4 2019$632.00K$428.00K
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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

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

0.60%*$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

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

1.00%$500-60 Month CD
0.80%$500-36 Month CD
0.80%$500-48 Month CD
0.60%$500-24 Month CD
0.45%$500-18 Month CD
0.35%$500-12 Month CD
0.30%$500-6 Month CD
0.30%$10k-11 Month No Penalty CD Special

Guardian Credit Union (AL) IRA Rates

1.00%$500-60 Month IRA
0.80%$500-36 Month IRA
0.80%$500-48 Month IRA
0.60%$500-24 Month IRA
0.45%$500-18 Month IRA
0.35%$500-12 Month IRA
0.30%$500-6 Month IRA


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