Guardian Credit Union (AL)

Overview / Commentary
418 Madison Ave
Montgomery, AL 36104

Guardian Credit Union (AL) is headquartered in Montgomery and is the 10th largest credit union in the state of Alabama. It is also the 433rd largest credit union in the nation. It was established in 1958 and as of December of 2023, it had grown to 261 employees and 88,681 members at 16 locations. Guardian Credit Union (AL)'s money market rates are 7X the national average, and it 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 Grade Components

NCUA #68374
Year Chartered1958
Primary Regulator
Profit Margin
Return on Assets - YTD1.03%
Return on Equity - YTD12.38%
Annual Interest Income$56.9MM
Assets and Liabilities
AssetsQ4 2023vs Q4 2022$1.02B$865.3MM
LoansQ4 2023vs Q4 2022$839.1MM$697.2MM
DepositsQ4 2023vs Q4 2022$850.5MM$747.8MM
Equity CapitalQ4 2023vs Q4 2022$82.4MM$74.9MM
Loan Loss AllowanceQ4 2023vs Q4 2022$10.5MM$8MM
Unbacked Noncurrent LoansQ4 2023vs Q4 2022$14.7MM$10.3MM
Real Estate OwnedQ4 2023vs Q4 2022$217K$913K
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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
4.58%$10k-High Rate 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

3.04%*$500k*-Money Market
OTHER TIERS: 1.00% $2.5k - $10k | 1.26% $10k - $25k | 1.51% $25k - $100k | 2.27% $100k - $250k | 2.53% $250k - $500k

Guardian Credit Union (AL) Checking Account Rates

5.12%*-$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

5.12%$10k-12 Month CD Special
4.80%$500-12 Month CD
4.39%$500-18 Month CD
4.33%$500-6 Month CD
4.28%$500-24 Month CD
4.07%$500-36 Month CD
3.87%$500-48 Month CD
3.76%$500-60 Month CD

Guardian Credit Union (AL) IRA Rates

5.12%$10k-12 Month IRA Special
4.80%$500-12 Month IRA
4.39%$500-18 Month IRA
4.33%$500-6 Month IRA
4.28%$500-24 Month IRA
4.07%$500-36 Month IRA
3.87%$500-48 Month IRA
3.76%$500-60 Month IRA


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