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 46^th largest credit union in the state of Florida. It is also the 1,056^th largest credit union in the nation. It was established in 1991 and as of December of 2019, it had grown to 86 employees and 35,380 members at 6 locations. Guardians Credit Union 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

A+

Data as of Q4 2019

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Health Grade Components

Overall
NCUA #	67521
Year Chartered	1991
Employees	86
Primary Regulator

Profit Margin
Return on Assets - YTD	1.11%
Return on Equity - YTD	6.69%
Annual Interest Income	$8.1MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$206.9MM$165.5MM
Loans	Q4 2019vs Q4 2018	$131.4MM$102.6MM
Deposits	Q4 2019vs Q4 2018	$173.2MM$140.8MM
Equity Capital	Q4 2019vs Q4 2018	$31.6MM$22.0MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.5MM$1.2MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$620.00K$436.00K
Real Estate Owned	Q4 2019vs Q4 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
0.05%	$25	-	Savings
0.05%	-	-	Holiday Club
0.05%	-	-	Vacation Club
0.05%	$5k	$10k	Holiday Club w/ Loyalty Bonus
0.05%	$5k	$10k	Savings w/ Loyalty Bonus
0.05%	$5k	$10k	Vacation Club w/ Loyalty Bonus
0.05%	$10k	$25k	Holiday Club w/ Loyalty Plus Bonus
0.05%	$25k	-	Holiday Club w/ Premier Choice Bonus
0.05%	$10k	$25k	Savings w/ Loyalty Plus Bonus
0.05%	$25k	-	Savings w/ Premier Choice Bonus
0.05%	$10k	$25k	Vacation Club w/ Loyalty Plus Bonus
0.05%	$25k	-	Vacation Club w/ Premier Choice Bonus
0.05%	$5k	$10k	IRA Share w/ Loyalty Bonus
0.05%	$10k	$25k	IRA Share w/ Loyalty Plus Bonus
0.05%	$25k	-	IRA Share w/ Premier Choice Bonus

Guardians Credit Union Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.20%	$25k	-	Money Market w/ Premier Choice Bonus
0.15%	$10k	$25k	Money Market w/ Loyalty Plus Bonus
0.13%	$5k	$10k	Money Market w/ Loyalty Bonus
0.10%	$1k	$5k	Money Market

Guardians Credit Union CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$1k	$10k	36 Month CD w/ Premier Choice Bonus
0.65%	$1k	$10k	48 Month CD w/ Premier Choice Bonus
0.65%	$1k	$10k	60 Month CD w/ Premier Choice Bonus
0.55%	$1k	$10k	30 Month CD w/ Premier Choice Bonus
0.55%	$1k	$10k	36 Month CD w/ Loyalty Plus Bonus
0.55%	$1k	$10k	48 Month CD w/ Loyalty Plus Bonus
0.55%	$1k	$10k	60 Month CD w/ Loyalty Plus Bonus
0.50%	$1k	$10k	36 Month CD w/ Loyalty Bonus
0.50%	$1k	$10k	48 Month CD w/ Loyalty Bonus
0.50%	$1k	$10k	60 Month CD w/ Loyalty Bonus
0.45%	$1k	$5k	36 Month CD
0.45%	$1k	$5k	48 Month CD
0.45%	$1k	$5k	60 Month CD
0.45%	$1k	$10k	6 Month CD w/ Premier Choice Bonus
0.45%	$1k	$10k	12 Month CD w/ Premier Choice Bonus
0.45%	$1k	$10k	30 Month CD w/ Loyalty Plus Bonus
0.40%	$1k	$10k	30 Month CD w/ Loyalty Bonus
0.35%	$1k	$5k	30 Month CD
0.35%	$1k	$10k	6 Month CD w/ Loyalty Plus Bonus
0.35%	$1k	$10k	12 Month CD w/ Loyalty Plus Bonus
0.30%	$1k	$10k	6 Month CD w/ Loyalty Bonus
0.30%	$1k	$10k	12 Month CD w/ Loyalty Bonus
0.25%	$1k	$5k	6 Month CD
0.25%	$1k	$5k	12 Month CD

Guardians Credit Union IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	$1k	$10k	36 Month IRA w/ Premier Choice Bonus
0.55%	$1k	$10k	36 Month IRA w/ Loyalty Plus Bonus
0.50%	$1k	$10k	36 Month IRA w/ Loyalty Bonus
0.45%	$1k	$5k	36 Month IRA
0.45%	$1k	$10k	6 Month IRA w/ Premier Choice Bonus
0.45%	$1k	$10k	12 Month IRA w/ Premier Choice Bonus
0.45%	$1k	$10k	30 Month IRA w/ Premier Choice Bonus
0.45%	$1k	$10k	30 Month IRA w/ Loyalty Plus Bonus
0.40%	$1k	$10k	30 Month IRA w/ Loyalty Bonus
0.35%	$1k	$5k	30 Month IRA
0.35%	$1k	$10k	6 Month IRA w/ Loyalty Plus Bonus
0.35%	$1k	$10k	12 Month IRA w/ Loyalty Plus Bonus
0.30%	$1k	$10k	6 Month IRA w/ Loyalty Bonus
0.30%	$1k	$10k	12 Month IRA w/ Loyalty Bonus
0.25%	$1k	$5k	6 Month IRA
0.25%	$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
Branch Office	1902 NW 14th Ave	Miami, FL 33125-1658
Branch Office	1400 NW 12th Ave	Miami, FL 33136

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