P.o. Box 1337
Portsmouth, VA 23705
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Notable Rates APY Vs.Others
Savings N.A. 0.65% →
1-Year CD N.A. 0.70% →
2-Year CD N.A. 0.75% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Guardian is an NCUA insured institution located in Portsmouth, VA. It was founded in 1956 and has approximately $40.51 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 11241
Date Established 1956
Assets $40.51 million
Loans $27.22 million
Deposits $37.57 million
Capital $2.65 million

Deposit Rates - July 25, 2021

Your Current Location: Virginia, VA 20146

We do not yet have rates for Guardian

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Loan Rates - July 25, 2021

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for GUARDIAN

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
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Rocket Mortgage
NMLS ID: 3030
3.349% 3.250% 0.75 $3,125 $1,089 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2021

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4.840 %
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Bethpage Federal Credit Union
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After Intro: 3.750 %
Intro Period: 12 months
$25,000 Learn More
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Third Federal Savings and Loan
Third Federal Savings and Loan
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2.240 %
$0 Learn More
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To upload and update your bank's rates please register. It is free to register and add rates.



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Financial Details

Guardian Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guardian. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Guardian U.S. Average
49.22% 4.38

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of March 31, 2021, Guardian had $1,349,026 in non-current loans and $349,675 in owned assets. To cover these potential losses it had $2,651,741 in net worth and $799,340 in loans loss reserves. That gives it a Texas Ratio of 49.22%.

Net Worth
Guardian U.S. Average
6.54% 12.20%

Guardian FCU has a net worth of 6.54% versus the BestCashCow average of 12.20. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Guardian

Branches and Savings

What is Guardian?

A federal credit union, registered with the NCUA under certificate #11241.
Learn more about credit unions here.

Is Guardian FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Guardian is insured by the NCUA.

Who can join Guardian?

Please see Field of Membership information above for information on who is eligible to join.

What are Guardian's share account and share certificate rates?

Guardian's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Guardian?

Guardian has total capital of $2.65 million. Full information on Guardian's financial position is located above.

Who owns Guardian?

Credit Unions are owned by their members.

Where are Guardian branches located?

See branch locations nearby.

Are Guardian ATMs Open 24/7?

Do Guardian ATMs accept cash deposits?

Can Guardian customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Guardian have a mobile app?

Does Guardian have mobile deposit?

Does Guardian have quick pay?

How can Guardian transfer money to other banks or credit unions?

Does Guardian report to credit bureaus?

Does Guardian use Chexsystems?

Does Guardian use Equifax?

What is Guardian's toll free phone number?

What is Guardian's ACH Routing Number?

What is Guardian's SWIFT code?

Where can I find Guardian's wire transfer form?

What is the Guardian address for deposits?

What Products Does Guardian Offer

Does Guardian offer mortgages?

Compare mortgage rates here.

Does Guardian offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Guardian offer auto and RV loans?

Compare auto loan rates here.

Does Guardian offer student loans or personal loans?

Compare personal loan rates here.

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