Guardian Credit Union (AL) is headquartered in Montgomery and is the 11th largest credit union in the state of Alabama. It is also the 424th largest credit union in the nation. It was established in 1958 and as of September of 2024, it had grown to 265 employees and 91,870 members at 16 locations. Guardian Credit Union (AL) has a B health rating.
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, Covington, 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
Guardian announced Ultimate checking requirement changes effective immediately for new accounts and effective April 1, 2022 on existing accounts.
The new requirements follow from Guardian's web page:
"Ultimate Checking
A checking account with the ultimate perks
Earn a whopping 4.0% APY on your average daily balance.***
Out-of-network ATM fee refund (up to $6/month)
Monthly Requirements
- Minimum of 25 debit card transactions
- $500 minimum spend
If the monthly requirements are not met, the dividend and ATM fee refund will not be paid and a $10 fee will be applied. One Ultimate Checking account per member. "
Overall | |
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NCUA # | 68374 |
Year Chartered | 1958 |
Employees | 265 |
Primary Regulator |
Profit Margin | |
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Return on Assets - YTD | 0.66% |
Return on Equity - YTD | 7.8% |
Annual Interest Income | $50.9MM |
Assets and Liabilities | ||
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Assets | Q3 2024vs Q3 2023 | $1.07B$963.3MM |
Loans | Q3 2024vs Q3 2023 | $857.5MM$801.2MM |
Deposits | Q3 2024vs Q3 2023 | $933.2MM$836.5MM |
Equity Capital | Q3 2024vs Q3 2023 | $89.6MM$78.7MM |
Loan Loss Allowance | Q3 2024vs Q3 2023 | $11.2MM$10.3MM |
Unbacked Noncurrent Loans | Q3 2024vs Q3 2023 | $15.8MM$13.3MM |
Real Estate Owned | Q3 2024vs Q3 2023 | $217K$147K |
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