GUARDIAN

418 Madison Ave
Montgomery, AL 36104

 

2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68374
Date Established 1958
Assets $510.57 million
Loans $421.27 million
Deposits $445.80 million
Capital $50.06 million

Guardian is an NCUA insured institution located in Montgomery, AL. It was founded in 1958 and has approximately $510.57 millions in assets.

Who can join?

• USCG active duty, retired, reserve, auxiliary, employees of USCG non-appropriated funds activities, and employees of USCG contractors.
• U.S. Civil Service active and retired civil servants.
• Navy, Marines, Air Force and Army, active duty, retired, or reserve.
• ANY ONE who....Lives, works, worships in or goes to school in Portsmouth, VA.
• Chesapeake Service Systems
• Norfolk Waterside Marriott Hotel & Conference Center
• Sam’s Club
• The Up Center
• And many other local employers

Field of Membership Restrictions

Guardian Credit Union of Alabama is open to the residents, church members, registered students, and the people that maintain employment within these qualified counties: Autauga, Butler, Chilton, Coosa, Crenshaw, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, and Tallapoosa, the active and retired members of the Alabama National Guard, members of other credit unions that carried over through a merger, and the members of the other various organizations that the credit union recognizes as eligible.

Deposit Rates - September 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.25% $2,500 $9,999 Learn MoreShow Less
Money Market
0.40% $10,000 $24,999 Learn MoreShow Less
Money Market
0.50% $25,000 $49,999 Learn MoreShow Less
Fixed IRA Rates APY MIN MAX
Fixed IRA
2.32% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
2.07% $500 - Learn MoreShow Less
Special: 11 Mo CD
2.27% $10,000 - Learn MoreShow Less
12 Mo CD
2.43% $500 - Learn MoreShow Less
18 Mo CD
3.04% $500 - Learn MoreShow Less
24 Mo CD
2.58% $500 - Learn MoreShow Less
30 Mo CD
2.53% $500 - Learn MoreShow Less
36 Mo CD
2.68% $500 - Learn MoreShow Less
48 Mo CD
2.73% $500 - Learn MoreShow Less
60 Mo CD
3.30% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
Var IRA
0.75% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 - Learn MoreShow Less

Loan Rates - September 22, 2019

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 2019

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
AimLoan.com
NMLS ID: 2890
License#: MC-3098
3.536% 3.500% 0.50 $1,108 $1,123 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info

Note to GUARDIAN
To upload and update your bank's rates please register. It is free to register and add rates.



Branches

Below are Guardian branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

Your Location:
Ashburn,Virginia


Guardian Locations


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
8.82% 6.77

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, 2019, Guardian had $4,646,801 in non-current loans and $205,343 in owned assets. To cover these potential losses it had $50,056,782 in net worth and $4,959,495 in loans loss reserves. That gives it a Texas Ratio of 8.82%.

Net Worth
Guardian U.S. Average
9.8% 13.47%

Guardian FCU has a net worth of 9.8% versus the BestCashCow average of 13.47. 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 #68374.
Learn more about credit unions here.

Is Guardian FDIC insured?

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

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 $50.06 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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