Guardian Credit Union (AL)


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 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.

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, 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

Reviews (1)

Ultimate Checking Requirement Changes April 1, 2022

Posted by: |

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. "



Health

Health Grade Components

Overall
NCUA #68374
Year Chartered1958
Employees265
Primary Regulator
Profit Margin
Return on Assets - YTD0.66%
Return on Equity - YTD7.8%
Annual Interest Income$50.9MM
Assets and Liabilities
AssetsQ3 2024vs Q3 2023$1.07B$963.3MM
LoansQ3 2024vs Q3 2023$857.5MM$801.2MM
DepositsQ3 2024vs Q3 2023$933.2MM$836.5MM
Equity CapitalQ3 2024vs Q3 2023$89.6MM$78.7MM
Loan Loss AllowanceQ3 2024vs Q3 2023$11.2MM$10.3MM
Unbacked Noncurrent LoansQ3 2024vs Q3 2023$15.8MM$13.3MM
Real Estate OwnedQ3 2024vs Q3 2023$217K$147K
Rates

Sorry, we do not have rate data for Guardian Credit Union (AL).

Locations

Availability



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