Guardian Credit Union (AL) is headquartered in Prattville and is the 12th largest credit union in the state of Alabama. It is also the 426th largest credit union in the nation. It was established in 1958 and as of March of 2025, it had grown to 255 employees and 92,436 members at 16 locations. Guardian Credit Union (AL)'s money market rates are 7X the national average, and it 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 | |
---|---|
NCUA # | 68374 |
Year Chartered | 1958 |
Employees | 255 |
Primary Regulator |
Profit Margin | |
---|---|
Return on Assets - YTD | 0.91% |
Return on Equity - YTD | 10.33% |
Annual Interest Income | $17.3MM |
Assets and Liabilities | ||
---|---|---|
Assets | Q1 2025vs Q1 2024 | $1.09B$1.04B |
Loans | Q1 2025vs Q1 2024 | $880.3MM$845.9MM |
Deposits | Q1 2025vs Q1 2024 | $951.4MM$908.3MM |
Equity Capital | Q1 2025vs Q1 2024 | $94.1MM$83MM |
Loan Loss Allowance | Q1 2025vs Q1 2024 | $11.8MM$10.8MM |
Unbacked Noncurrent Loans | Q1 2025vs Q1 2024 | $9.6MM$9.9MM |
Real Estate Owned | Q1 2025vs Q1 2024 | $147K$217K |
Always verify rates and promotions with the bank or credit union. We are not Guardian Credit Union (AL); we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
5.10% | $0 | - | RoundUp Savings | ||
4.00% | $10k | - | High Rate Savings. | ||
0.20%* | $3k* | - | Christmas Club | ||
OTHER TIERS: 0.10% → $100 - $3k | |||||
0.20%* | $3k* | - | Regular Share | ||
OTHER TIERS: 0.10% → $100 - $3k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
3.05%* | $500k* | - | Money Market | ||
OTHER TIERS: 1.65% → $2.5k - $10k | 1.70% → $10k - $25k | 1.75% → $25k - $100k | 2.45% → $100k - $250k | 2.55% → $250k - $500k |
APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
---|---|---|---|---|---|
4.50%* | $0 | $15k | Ultimate Checking | ||
OTHER TIERS: 0.05% → $15k+ | |||||
0.20% | $5k | - | Premier Checking | ||
0.05% | $2.5k | - | Guardian Free Checking | ||
0.05% | $2.5k | - | Simplified Checking |