Guardians Credit Union

Overview / Commentary

www.guardianscu.coop

561-686-4006

3469 Summit Blvd
West Palm Beach, FL 33406

Guardians Credit Union is headquartered in West Palm Beach and is the 50^th largest credit union in the state of Florida. It is also the 1,162^nd largest credit union in the nation. It was established in 1991 and as of June of 2019, it had grown to 72 employees and 31,475 members at 4 locations. Guardians Credit Union's money market rates are 36% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Palm Beach, St. Lucie or Martin Counties.
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Health

Data as of Q2 2019

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Health Grade Components

Overall
NCUA #	67521
Year Chartered	1991
Employees	72
Primary Regulator

Profit Margin
Return on Assets - YTD	1.82%
Return on Equity - YTD	13.44%
Annual Interest Income	$3.8MM

Assets and Liabilities
Assets	Q2 2019vs Q2 2018	$174.8MM$169.0MM
Loans	Q2 2019vs Q2 2018	$108.2MM$94.4MM
Deposits	Q2 2019vs Q2 2018	$147.5MM$144.6MM
Equity Capital	Q2 2019vs Q2 2018	$23.6MM$20.7MM
Loan Loss Allowance	Q2 2019vs Q2 2018	$1.2MM$1.1MM
Unbacked Noncurrent Loans	Q2 2019vs Q2 2018	$306.00K$218.00K
Real Estate Owned	Q2 2019vs Q2 2018	$0$0

Rates

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Savings
Money Market
CD
IRA

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Guardians Credit Union Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$25	-	Savings
0.20%	-	-	Holiday Club
0.20%	-	-	Vacation Club
0.20%	$5k	$10k	Holiday Club w/ Loyalty Bonus
0.20%	$5k	$10k	Savings w/ Loyalty Bonus
0.20%	$5k	$10k	Vacation Club w/ Loyalty Bonus
0.20%	$10k	$25k	Holiday Club w/ Loyalty Plus Bonus
0.20%	$25k	-	Holiday Club w/ Premier Choice Bonus
0.20%	$10k	$25k	Savings w/ Loyalty Plus Bonus
0.20%	$25k	-	Savings w/ Premier Choice Bonus
0.20%	$10k	$25k	Vacation Club w/ Loyalty Plus Bonus
0.20%	$25k	-	Vacation Club w/ Premier Choice Bonus
0.20%	$5k	$10k	IRA Share w/ Loyalty Bonus
0.20%	$10k	$25k	IRA Share w/ Loyalty Plus Bonus
0.20%	$25k	-	IRA Share w/ Premier Choice Bonus

Guardians Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.60%	$25k	-	Money Market w/ Premier Choice Bonus
0.55%	$10k	$25k	Money Market w/ Loyalty Plus Bonus
0.53%	$5k	$10k	Money Market w/ Loyalty Bonus
0.50%	$1k	$5k	Money Market

Guardians Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$25k	-	30 Month CD w/ Premier Choice Bonus
1.00%	$25k	-	36 Month CD w/ Premier Choice Bonus
1.00%	$25k	-	48 Month CD w/ Premier Choice Bonus
1.00%	$25k	-	60 Month CD w/ Premier Choice Bonus
0.95%	$25k	-	6 Month CD w/ Premier Choice Bonus
0.95%	$25k	-	12 Month CD w/ Premier Choice Bonus
0.90%	$10k	$25k	30 Month CD w/ Loyalty Plus Bonus
0.90%	$10k	$25k	36 Month CD w/ Loyalty Plus Bonus
0.90%	$10k	$25k	48 Month CD w/ Loyalty Plus Bonus
0.90%	$10k	$25k	60 Month CD w/ Loyalty Plus Bonus
0.85%	$5k	$10k	30 Month CD w/ Loyalty Bonus
0.85%	$5k	$10k	36 Month CD w/ Loyalty Bonus
0.85%	$5k	$10k	48 Month CD w/ Loyalty Bonus
0.85%	$5k	$10k	60 Month CD w/ Loyalty Bonus
0.85%	$10k	$25k	6 Month CD w/ Loyalty Plus Bonus
0.85%	$10k	$25k	12 Month CD w/ Loyalty Plus Bonus
0.80%	$1k	$5k	30 Month CD
0.80%	$1k	$5k	36 Month CD
0.80%	$1k	$5k	48 Month CD
0.80%	$1k	$5k	60 Month CD
0.80%	$5k	$10k	6 Month CD w/ Loyalty Bonus
0.80%	$5k	$10k	12 Month CD w/ Loyalty Bonus
0.75%	$1k	$5k	6 Month CD
0.75%	$1k	$5k	12 Month CD

Guardians Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%	$25k	-	30 Month IRA w/ Premier Choice Bonus
1.00%	$25k	-	36 Month IRA w/ Premier Choice Bonus
0.95%	$25k	-	6 Month IRA w/ Premier Choice Bonus
0.95%	$25k	-	12 Month IRA w/ Premier Choice Bonus
0.90%	$10k	$25k	30 Month IRA w/ Loyalty Plus Bonus
0.90%	$10k	$25k	36 Month IRA w/ Loyalty Plus Bonus
0.85%	$5k	$10k	30 Month IRA w/ Loyalty Bonus
0.85%	$5k	$10k	36 Month IRA w/ Loyalty Bonus
0.85%	$10k	$25k	6 Month IRA w/ Loyalty Plus Bonus
0.85%	$10k	$25k	12 Month IRA w/ Loyalty Plus Bonus
0.80%	$1k	$5k	30 Month IRA
0.80%	$1k	$5k	36 Month IRA
0.80%	$5k	$10k	6 Month IRA w/ Loyalty Bonus
0.80%	$5k	$10k	12 Month IRA w/ Loyalty Bonus
0.75%	$1k	$5k	6 Month IRA
0.75%	$1k	$5k	12 Month IRA

Locations

Guardians Credit Union Locations
Branch Office	4009 Okeechobee Rd	Fort Pierce, FL 34947-4563
Branch Office	1301 N Congress Ave	Boynton Beach, FL 33426
Branch Office	10469 Southern Blvd	Royal Palm Beach, FL 33411
Branch Office	3469 Summit Blvd	West Palm Beach, FL 33406

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