Guardians Credit Union


Overview / Commentary
561-686-4006
3469 Summit Blvd
West Palm Beach, FL 33406

Guardians Credit Union is headquartered in West Palm Beach and is the 44th largest credit union in the state of Florida. It is also the 990th largest credit union in the nation. It was established in 1991 and as of June of 2021, it had grown to 82 employees and 36,620 members at 6 locations. Guardians Credit Union's money market rates are 48% higher than the national average, and it boasts 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.
See current membership details

Reviews (2)

Not A Reliable Credit Union.

We opened an account and refinanced three vehicles with Guardians. Setting up the loans with Karen went very nicely. After our loans were completed we attempted to reach Karen by phone and e-mail multiple times with concerns and questions and never received any response. We were told certain tasks would be completed, and they were not. We have given up on resolving our concerns. We have chosen only to fund our account with enough money to cover our loans and continue to do our primary banking with Wells Fargo & BBVA.

Worst Customer Service In My Life!

Posted by: |

I would give them zero stars if I could. Worst customer experience of my life. I’ve been sitting in their lobby for 2+ hours this am. After spending 2+ hours on Fri. Still no resolution. [email protected]!! Unacceptable! DO NOT BANK or do ANY transaction with Guardians Credit Union. EVER!!! At this point I consider them to have stollen $36k. Don’t do it! ??????????????????????????????????????????????????



Health
A+

Health Grade Components

Overall
NCUA #67521
Year Chartered1991
Employees82
Primary Regulator
Profit Margin
Return on Assets - YTD1%
Return on Equity - YTD8.2%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ2 2021vs Q2 2020$289.7MM$241.5MM
LoansQ2 2021vs Q2 2020$146.8MM$135.3MM
DepositsQ2 2021vs Q2 2020$251.3MM$206.5MM
Equity CapitalQ2 2021vs Q2 2020$34.5MM$32.6MM
Loan Loss AllowanceQ2 2021vs Q2 2020$1.6MM$1.6MM
Unbacked Noncurrent LoansQ2 2021vs Q2 2020$315.00K$253.00K
Real Estate OwnedQ2 2021vs Q2 2020$0$0
Rates
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Guardians Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$25-Savings
0.05%--Holiday Club
0.05%--Vacation Club
0.05%$25-IRA Share
0.05%$5k$10kHoliday Club w/ Loyalty Bonus
0.05%$5k$10kSavings w/ Loyalty Bonus
0.05%$5k$10kVacation Club w/ Loyalty Bonus
0.05%$10k$25kHoliday Club w/ Loyalty Plus Bonus
0.05%$25k-Holiday Club w/ Premier Choice Bonus
0.05%$10k$25kSavings w/ Loyalty Plus Bonus
0.05%$25k-Savings w/ Premier Choice Bonus
0.05%$10k$25kVacation Club w/ Loyalty Plus Bonus
0.05%$25k-Vacation Club w/ Premier Choice Bonus
0.05%$5k$10kIRA Share w/ Loyalty Bonus
0.05%$10k$25kIRA Share w/ Loyalty Plus Bonus
0.05%$25k-IRA Share w/ Premier Choice Bonus

Guardians Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$1k$5kMoney Market
0.20%$25k-Money Market w/ Premier Choice Bonus
0.15%$10k$25kMoney Market w/ Loyalty Plus Bonus
0.13%$5k$10kMoney Market w/ Loyalty Bonus

Guardians Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%$1k$10k36 Month CD w/ Premier Choice Bonus
0.65%$1k$10k48 Month CD w/ Premier Choice Bonus
0.65%$1k$10k60 Month CD w/ Premier Choice Bonus
0.55%$1k$10k30 Month CD w/ Premier Choice Bonus
0.55%$1k$10k36 Month CD w/ Loyalty Plus Bonus
0.55%$1k$10k48 Month CD w/ Loyalty Plus Bonus
0.55%$1k$10k60 Month CD w/ Loyalty Plus Bonus
0.50%$1k$10k36 Month CD w/ Loyalty Bonus
0.50%$1k$10k48 Month CD w/ Loyalty Bonus
0.50%$1k$10k60 Month CD w/ Loyalty Bonus
0.45%$1k$5k36 Month CD
0.45%$1k$5k48 Month CD
0.45%$1k$5k60 Month CD
0.45%$1k$10k6 Month CD w/ Premier Choice Bonus
0.45%$1k$10k12 Month CD w/ Premier Choice Bonus
0.45%$1k$10k30 Month CD w/ Loyalty Plus Bonus
0.40%$1k$10k30 Month CD w/ Loyalty Bonus
0.35%$1k$5k30 Month CD
0.35%$1k$10k6 Month CD w/ Loyalty Plus Bonus
0.35%$1k$10k12 Month CD w/ Loyalty Plus Bonus
0.30%$1k$10k6 Month CD w/ Loyalty Bonus
0.30%$1k$10k12 Month CD w/ Loyalty Bonus
0.25%$1k$5k6 Month CD
0.25%$1k$5k12 Month CD

Guardians Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.55%$1k$10k30 Month IRA w/ Premier Choice Bonus
0.55%$1k$10k36 Month IRA w/ Premier Choice Bonus
0.50%$1k$10k36 Month IRA w/ Loyalty Plus Bonus
0.45%$1k$5k36 Month IRA
0.45%$1k$10k36 Month IRA w/ Loyalty Bonus
0.45%$1k$10k6 Month IRA w/ Premier Choice Bonus
0.45%$1k$10k12 Month IRA w/ Premier Choice Bonus
0.45%$1k$10k30 Month IRA w/ Loyalty Plus Bonus
0.40%$1k$10k30 Month IRA w/ Loyalty Bonus
0.35%$1k$5k30 Month IRA
0.35%$1k$10k6 Month IRA w/ Loyalty Plus Bonus
0.35%$1k$10k12 Month IRA w/ Loyalty Plus Bonus
0.30%$1k$10k6 Month IRA w/ Loyalty Bonus
0.30%$1k$10k12 Month IRA w/ Loyalty Bonus
0.25%$1k$5k6 Month IRA
0.25%$1k$5k12 Month IRA
Locations


Guardians Credit Union Locations
Branch Office4009 Okeechobee RdFort Pierce, FL 34947-4563
Branch Office1301 N Congress AveBoynton Beach, FL 33426
Branch Office10469 Southern BlvdRoyal Palm Beach, FL 33411
Branch Office3469 Summit BlvdWest Palm Beach, FL 33406
Branch Office1902 NW 14th AveMiami, FL 33125-1658
Branch Office1400 NW 12th AveMiami, FL 33136

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