2024 Overview
General Credit Union Information
Guardian is an NCUA insured institution located in Montgomery, AL. It was founded in 1958 and has approximately $1018.2 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 | $1,018.20 million |
| Loans | $839.10 million |
| Deposits | $850.47 million |
| Capital | $90.93 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 - April 18, 2024
Your Current Location: Ohio, OH 43085
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.25% | $2,500 | $2,999 |
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|
|
Money Market
|
0.40% | $10,000 | $14,999 |
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|
|
Money Market
|
0.65% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.90% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.90% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.11% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.11% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.21% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.21% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.31% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.31% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.05% | $2,500 | $3,499 | Learn More |
Loan Rates - April 18, 2024
Your Current Location: Ohio, OH 43085
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 - Ohio 30 Year Fixed Mortgage Rates 2024
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 401822 |
6.806% | 6.625% | 0.88 | $6,000 | $2,049 | Learn More |
NMLS ID: 2059741 |
6.987% | 6.875% | 0.50 | $3,661 | $2,103 | Learn More |
NMLS ID: 3030 |
7.350% | 7.250% | 1.00 | $3,200 | $2,183 | Learn More |
NMLS ID: Not a Lender |
Learn More |
Featured - Ohio Home Equity Line Of Credit Rates 2024
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
7.490 %
|
$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:
Columbus,Ohio
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 |
|---|---|
| 24.13% | 6.97 |
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, 2023, Guardian had $22,985,061 in non-current loans and $882,500 in owned assets. To cover these potential losses it had $90,933,970 in net worth and $7,960,833 in loans loss reserves. That gives it a Texas Ratio of 24.13%.
Net Worth
| Guardian | U.S. Average |
|---|---|
| 8.93% | 13.62% |
Guardian FCU has a net worth of 8.93% versus the BestCashCow average of 13.62. 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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