418 Madison Ave
Montgomery, AL 36104


2019 Overview

General Credit Union Information

NCUA Insured Yes
Charter Number # # 68374
Date Established 1958
Assets $486.97 million
Loans $415.02 million
Deposits $424.30 million
Capital $48.87 million

Guardian is an NCUA insured institution located in Montgomery, AL. It was founded in 1958 and has approximately $486.97 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 - April 22, 2019

Your Current Location: Washington, WA 98109

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
2.32% $500 - Learn MoreShow Less
Special: 11 Mo FIRA
2.02% $500 - Learn MoreShow Less
Special: 12 Mo FIRA
2.63% $500 - Learn MoreShow Less
Special: 24 Mo FIRA
2.73% $500 - Learn MoreShow Less
Special: 36 Mo FIRA
2.79% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
1.51% $500 - Learn MoreShow Less
Special: 11 Mo CD
2.02% $10,000 - Learn MoreShow Less
12 Mo CD
2.32% $500 - Learn MoreShow Less
Special: 12 Mo CD
2.63% $10,000 - Learn MoreShow Less
18 Mo CD
2.38% $500 - Learn MoreShow Less
24 Mo CD
2.53% $500 - Learn MoreShow Less
Special: 24 Mo CD
2.73% $10,000 - Learn MoreShow Less
30 Mo CD
2.53% $500 - Learn MoreShow Less
36 Mo CD
2.63% $500 - Learn MoreShow Less
Special: 36 Mo CD
2.79% $10,000 - Learn MoreShow Less
48 Mo CD
2.84% $500 - Learn MoreShow Less
60 Mo CD
3.30% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.75% $500 - Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.15% $2,500 - Learn MoreShow Less

Loan Rates - April 22, 2019

Your Current Location: Washington, WA 98109

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 - Washington 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
5.375% 5.375% 0.00 $0 $1,400 Learn More
J.G. Wentworth Home Lending, LLC
NMLS ID: 2925
License#: CL-2925. NMLSID#2925
4.034% 4.000% 0.38 $1,030 $1,194 Learn More

Featured - Washington Home Equity Line Of Credit Rates 2019

Lender APR (%)? Monthly Payment? Learn More
PenFed Credit Union
PenFed Credit Union
5.500 %
$0 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
4.490 %
$0 Learn More
More Info
Figure Home Equity Loan Plus
Figure Home Equity Loan Plus
8.000 %
N/A Learn More
More Info

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


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:

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
10.97% 7.49

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 December 31, 2018, Guardian had $5,573,476 in non-current loans and $325,069 in owned assets. To cover these potential losses it had $48,872,319 in net worth and $4,907,000 in loans loss reserves. That gives it a Texas Ratio of 10.97%.

Net Worth
Guardian U.S. Average
10.03% 13.61%

Guardian FCU has a net worth of 10.03% versus the BestCashCow average of 13.61. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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