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 519th largest credit union in the nation. It was established in 1958 and as of September of 2021, it had grown to 227 employees and 80,780 members at 16 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 - YTD1.4%
Return on Equity - YTD15.24%
Annual Interest Income$27.4MM
Assets and Liabilities
AssetsQ3 2021vs Q3 2020$740.8MM$665.8MM
LoansQ3 2021vs Q3 2020$598.4MM$518.4MM
DepositsQ3 2021vs Q3 2020$663.8MM$574.8MM
Equity CapitalQ3 2021vs Q3 2020$67.3MM$57.2MM
Loan Loss AllowanceQ3 2021vs Q3 2020$6.6MM$6.0MM
Unbacked Noncurrent LoansQ3 2021vs Q3 2020$3.8MM$2.9MM
Real Estate OwnedQ3 2021vs Q3 2020$905.00K$529.00K
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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


Birmingham Area

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