Overview / Commentary
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 566th largest credit union in the nation. It was established in 1958 and as of June of 2018, it had grown to 186 employees and 62,172 members at 15 locations. Guardian Credit Union (AL)'s CD rates are 3X 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
Employees186
Primary Regulator
Profit Margin
Return on Assets - YTD0.9%
Return on Equity - YTD10.08%
Annual Interest Income$12.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$488.4MM$403.3MM
LoansQ2 2018vs Q2 2017$410.2MM$320.6MM
DepositsQ2 2018vs Q2 2017$417.1MM$343.9MM
Equity CapitalQ2 2018vs Q2 2017$42.8MM$38.5MM
Loan Loss AllowanceQ2 2018vs Q2 2017$4.9MM$4.1MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$3.8MM$3.0MM
Real Estate OwnedQ2 2018vs Q2 2017$30.00K$16.00K
Rates
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Always verify rates and promotions with the bank or credit union. We are not Guardian Credit Union (AL); we are a rate comparison website and cannot provide official rates or promotions.

* 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
0.35%*$3k*-Christmas Club
OTHER TIERS: 0.20% $100 - $3k
0.35%*$3k*-Regular Share
OTHER TIERS: 0.20% $100 - $3k

Guardian Credit Union (AL) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%*$100k*$1mMoney Market
OTHER TIERS: 0.25% $2.5k - $10k | 0.40% $10k - $25k | 0.50% $25k - $50k | 0.75% $50k - $100k

Guardian Credit Union (AL) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$5k-Premier Checking
0.15%$2.5k-Free Checking

Guardian Credit Union (AL) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$500-60 Month CD
2.84%$500-48 Month CD
2.79%$10k-36 Month CD Special
2.73%$10k-24 Month CD Special
2.63%$500-36 Month CD
2.63%$10k-12 Month CD Special
2.53%$500-24 Month CD
2.38%$500-18 Month CD
2.32%$500-12 Month CD
2.02%$10k-11 Month No Penalty CD Special
1.51%$500-6 Month CD

Guardian Credit Union (AL) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.30%$500-60 Month IRA
2.84%$500-48 Month IRA
2.63%$500-36 Month IRA
2.53%$500-24 Month IRA
2.38%$500-18 Month IRA
2.32%$500-12 Month IRA
1.51%$500-6 Month IRA
Locations

Availability



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