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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 519th largest credit union in the nation. It was established in 1958 and as of March of 2021, it had grown to 229 employees and 78,897 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

Related Posts

Guardian Credit Union (AL) Ultimate Checking Still Has Top Rate - 10/9/2020

Guardian Credit Union's (AL) Ultimate Checking has maintained its initial top rate on qualifying balances up to $30k since it was unveiled 18 months ago.

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Health
A

Data as of Q1 2021

Learn why bank health matters

Health Grade Components

Overall
NCUA #68374
Year Chartered1958
Employees229
Primary Regulator
Profit Margin
Return on Assets - YTD1.19%
Return on Equity - YTD13.65%
Annual Interest Income$8.8MM
Assets and Liabilities
AssetsQ1 2021vs Q1 2020$719.1MM$603.0MM
LoansQ1 2021vs Q1 2020$544.4MM$447.8MM
DepositsQ1 2021vs Q1 2020$648.3MM$516.6MM
Equity CapitalQ1 2021vs Q1 2020$61.5MM$53.4MM
Loan Loss AllowanceQ1 2021vs Q1 2020$5.7MM$5.4MM
Unbacked Noncurrent LoansQ1 2021vs Q1 2020$3.1MM$5.6MM
Real Estate OwnedQ1 2021vs Q1 2020$505.00K$499.00K
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
0.50%--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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations

Availability



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