Guardian Credit Union

Headquarters

418 Madison Ave
Montgomery, AL 36104
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.10% 5.55% →
1-Year CD 0.80% 5.38% →
2-Year CD 1.00% 4.95% →
5-Year CD 1.31% 4.55% →
30-Year Mortgage N.A. 4.91% →
15-Year Mortgage N.A. 4.39% →
HELOC N.A. 0.99% →

2024 Overview

General Credit Union Information

Guardian is an NCUA insured institution located in Montgomery, AL. It was founded in 1958 and has approximately $1042.76 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

NCUA Insured Yes / State-Chartered
Charter Number # # 68374
Date Established 1958
Assets $1,042.76 million
Loans $845.87 million
Deposits $908.26 million
Capital $92.00 million
 

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 - July 18, 2024

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.10% $2,500 $4,999 Learn More
Money Market
0.25% $2,500 $2,999 Learn More
Money Market
0.40% $10,000 $14,999 Learn More
Money Market
0.65% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.80% $10,000 $14,999 Learn More
6 Mo CD
0.80% $100,000 $199,999 Learn More
12 Mo CD
0.80% $10,000 $14,999 Learn More
12 Mo CD
0.80% $100,000 $199,999 Learn More
18 Mo CD
0.90% $10,000 $14,999 Learn More
18 Mo CD
0.90% $100,000 $199,999 Learn More
24 Mo CD
1.00% $10,000 $14,999 Learn More
24 Mo CD
1.00% $100,000 $199,999 Learn More
36 Mo CD
1.11% $10,000 $14,999 Learn More
36 Mo CD
1.11% $100,000 $199,999 Learn More
48 Mo CD
1.21% $10,000 $14,999 Learn More
48 Mo CD
1.21% $100,000 $199,999 Learn More
60 Mo CD
1.31% $10,000 $14,999 Learn More
60 Mo CD
1.31% $100,000 $199,999 Learn More
Int Checking Rates APY MIN MAX
Int Ckg
0.05% $2,500 $3,499 Learn MoreShow Less

Loan Rates - July 18, 2024

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 2024

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
PenFed Credit Union
NMLS ID: 401822
6.541% 6.375% 0.75 $5,603 $1,997 Learn More
New American Funding, LLC.
NMLS ID: 6606
6.592% 6.500% 1.00 $3,053 $2,023 Learn More
Mutual of Omaha Mortgage, Inc.
NMLS ID: 1025894
6.602% 6.490% 1.00 $3,750 $2,021 Learn More
Rocket Mortgage
NMLS ID: 3030
7.064% 6.990% 0.75 $2,400 $2,127 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2024

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
7.990 %
$0 Learn More
More Info

Note to Guardian
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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



Climate Policy and Initiatives

GUARDIAN is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.


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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
20.97% 6.52

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, 2024, Guardian had $20,181,164 in non-current loans and $785,230 in owned assets. To cover these potential losses it had $91,999,012 in net worth and $7,960,833 in loans loss reserves. That gives it a Texas Ratio of 20.97%.

Net Worth
Guardian U.S. Average
8.82% 13.65%

Guardian FCU has a net worth of 8.82% versus the BestCashCow average of 13.65. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.



Customer Reviews for Guardian

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