2. Guardian Credit Union (AL)

Guardian Credit Union (AL)


Overview / Commentary
www.myguardiancu.com
334-244-9999
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 536th largest credit union in the nation. It was established in 1958 and as of September of 2019, it had grown to 224 employees and 69,168 members at 15 locations. Guardian Credit Union (AL)'s money market rates are 4X 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

Related Posts

Guardian Credit Union (AL) Offers Top 60-Month CD, 3.30% APY - 9/6/2019

Guardian Credit Union (AL) is offering a 60-month CD (3.30% APY, $500 min) and a 11-month No Penalty CD (2.02% APY, $10k min, early closure only).

Guardian Credit Union (AL) Unveils Ultimate Checking, 4.07% APY - 4/15/2019

Guardian Credit Union has added a new rewards checking account: Ultimate Checking, which earns 4.07% APY on qualifying balances up to $30k.

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Health
A

Data as of Q3 2019

Learn why bank health matters

Health Grade Components

Overall
NCUA #68374
Year Chartered1958
Employees224
Primary Regulator
Profit Margin
Return on Assets - YTD1.1%
Return on Equity - YTD11.29%
Annual Interest Income$22.2MM
Assets and Liabilities
AssetsQ3 2019vs Q3 2018$552.1MM$487.5MM
LoansQ3 2019vs Q3 2018$443.3MM$413.5MM
DepositsQ3 2019vs Q3 2018$468.5MM$413.6MM
Equity CapitalQ3 2019vs Q3 2018$51.9MM$45.5MM
Loan Loss AllowanceQ3 2019vs Q3 2018$5.2MM$5.1MM
Unbacked Noncurrent LoansQ3 2019vs Q3 2018$5.3MM$4.0MM
Real Estate OwnedQ3 2019vs Q3 2018$63.00K$30.00K
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 Credit Union (AL) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.10%--RoundUp Savings
0.75%--Variable Rate IRA
0.25%*$3k*-Christmas Club
OTHER TIERS: 0.10% → $100 - $3k
0.25%*$3k*-Regular Share
OTHER TIERS: 0.10% → $100 - $3k

Guardian Credit Union (AL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%*$1m*-Money Market
OTHER TIERS: 0.25% → $2.5k - $10k | 0.40% → $10k - $25k | 0.50% → $25k - $50k | 0.75% → $50k - $100k | 1.00% → $100k - $1m

Guardian Credit Union (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.07%*-$30kUltimate Checking
OTHER TIERS: 0.05% → $30k+
0.30%$5k-Premier Checking
0.05%$2.5k-Guardian Free Checking

Guardian Credit Union (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.38%$500-60 Month CD
2.32%$500-48 Month CD
2.27%$500-36 Month CD
2.22%$500-24 Month CD
2.17%$500-18 Month CD
2.02%$500-12 Month CD
1.87%$10k-11 Month No Penalty CD Special
1.66%$500-6 Month CD

Guardian Credit Union (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.38%$500-60 Month IRA
2.32%$500-48 Month IRA
2.27%$500-36 Month IRA
2.22%$500-24 Month IRA
2.17%$500-18 Month IRA
2.02%$500-12 Month IRA
1.66%$500-6 Month IRA
Locations

Availability



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