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 518th largest credit union in the nation. It was established in 1958 and as of December of 2021, it had grown to 228 employees and 81,323 members at 16 locations. Guardian Credit Union (AL)'s money market rates are 36% higher than 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, 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 - YTD1.35%
Return on Equity - YTD14.62%
Annual Interest Income$36.8MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$763.6MM$694.1MM
LoansQ4 2021vs Q4 2020$595.8MM$528.0MM
DepositsQ4 2021vs Q4 2020$683.7MM$599.2MM
Equity CapitalQ4 2021vs Q4 2020$69.3MM$59.9MM
Loan Loss AllowanceQ4 2021vs Q4 2020$6.9MM$5.3MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$6.6MM$4.2MM
Real Estate OwnedQ4 2021vs Q4 2020$954.00K$632.00K
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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

1.51%$500-60 Month CD
1.31%$500-48 Month CD
1.31%$10k-11 Month No Penalty CD Special
1.11%$500-36 Month CD
0.85%$500-24 Month CD
0.75%$500-18 Month CD
0.60%$500-12 Month CD
0.50%$500-6 Month CD

Guardian Credit Union (AL) IRA Rates

1.51%$500-60 Month IRA
1.31%$500-48 Month IRA
1.11%$500-36 Month IRA
0.85%$500-24 Month IRA
0.75%$500-18 Month IRA
0.60%$500-12 Month IRA
0.50%$500-6 Month IRA


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