Overview / Commentary
Guardians Credit Union is headquartered in West Palm Beach and is the 51st largest credit union in the state of Florida. It is also the 1,165th largest credit union in the nation. It was established in 1991 and as of March of 2019, it had grown to 71 employees and 30,986 members at 4 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.
See current membership details
Health
Health Grade Components
| Overall | |
|---|---|
| NCUA # | 67521 |
| Year Chartered | 1991 |
| Employees | 71 |
| Primary Regulator | |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 2.25% |
| Return on Equity - YTD | 16.6% |
| Annual Interest Income | $1.9MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2019vs Q1 2018 | $174.4MM$165.0MM |
| Loans | Q1 2019vs Q1 2018 | $104.6MM$90.0MM |
| Deposits | Q1 2019vs Q1 2018 | $147.7MM$141.5MM |
| Equity Capital | Q1 2019vs Q1 2018 | $23.0MM$20.2MM |
| Loan Loss Allowance | Q1 2019vs Q1 2018 | $1.2MM$1.1MM |
| Unbacked Noncurrent Loans | Q1 2019vs Q1 2018 | $390.00K$515.00K |
| Real Estate Owned | Q1 2019vs Q1 2018 | $0$0 |
Rates
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Guardians Credit Union Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.20% | $25 | - | Savings | |
| 0.20% | - | - | Holiday Club | |
| 0.20% | - | - | Vacation Club |
Guardians Credit Union Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.30% | $1k | - | Money Market |
Guardians Credit Union CD Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.45% | $1k | - | 30 Month CD | |
| 0.45% | $1k | - | 36 Month CD | |
| 0.45% | $1k | - | 48 Month CD | |
| 0.45% | $1k | - | 60 Month CD | |
| 0.30% | $1k | - | 12 Month CD | |
| 0.25% | $1k | - | 6 Month CD |
Guardians Credit Union IRA Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS |
|---|---|---|---|---|
| 0.45% | $1k | - | 30 Month IRA | |
| 0.45% | $1k | - | 36 Month IRA | |
| 0.30% | $1k | - | 12 Month IRA | |
| 0.25% | $1k | - | 6 Month IRA |
Locations
| Guardians Credit Union Locations | ||
|---|---|---|
| Branch Office | 2620 S US Highway 1 | Fort Pierce, FL 34982 |
| 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 |