Guardians Credit Union


3469 Summit Blvd
West Palm Beach, FL 33406
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.05% 1.02% →
1-Year CD 0.45% 1.45% →
2-Year CD N.A. 2.86% →
5-Year CD 0.65% 3.21% →
30-Year Mortgage N.A. 2.81% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2022 Overview

General Credit Union Information

Guardians is an NCUA insured institution located in West Palm Beach, FL. It was founded in 1991 and has approximately $295.86 millions in assets.

NCUA Insured Yes / State-Chartered
Charter Number # # 67521
Date Established 1991
Assets $295.86 million
Loans $148.21 million
Deposits $254.93 million
Capital $32.03 million

Field of Membership Restrictions

Membership is open to those who live or work in Palm Beach, St. Lucie or Martin Counties.

Deposit Rates - May 22, 2022

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.05% $2,500 $4,999 Learn More
Money Market
0.10% $2,500 $2,999 Learn More
Money Market
0.10% $10,000 $14,999 Learn More
Money Market
0.10% $25,000 $29,999 Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.95% $10,000 $14,999 Learn More
6 Mo CD
0.95% $100,000 $199,999 Learn More
12 Mo CD
0.45% $1,000 - Learn More
36 Mo CD
0.65% $1,000 - Learn More
48 Mo CD
0.65% $1,000 - Learn More
60 Mo CD
0.65% $1,000 - Learn More
36 Mo FIRA
0.65% $1,000 - Learn MoreShow Less
48 Mo FIRA
0.65% $1,000 - Learn MoreShow Less
60 Mo FIRA
1.00% $1,000 - Learn MoreShow Less

Loan Rates - May 22, 2022

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for GUARDIANS

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

Featured - Connecticut 30 Year Fixed Mortgage Rates 2022

Lender APR Rate (%) Points Fees Monthly
Learn More
Filo Mortgage, LLC
NMLS ID: 1928741
4.412% 4.375% 0.50 $1,098 $1,249 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2022

Lender APR (%)? Monthly Payment? Learn More
Bethpage Federal Credit Union
Bethpage Federal Credit Union
See Table
Intro APR
3.490 %
After Intro: 4.500 %
Intro Period: 12 months
$25,000 Learn More
More Info

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



Below are Guardians 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:

Guardians Locations

Climate Initiatives

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

Financial Details

Guardians Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Guardians. 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
Guardians U.S. Average
2.64% 4.85

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, 2021, Guardians had $884,137 in non-current loans and $3,000 in owned assets. To cover these potential losses it had $32,034,479 in net worth and $1,584,706 in loans loss reserves. That gives it a Texas Ratio of 2.64%.

Net Worth
Guardians U.S. Average
10.82% 12.36%

Guardians FCU has a net worth of 10.82% versus the BestCashCow average of 12.36. 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 GUARDIANS

There are currently no comments for GUARDIANS. Be the first to share your experience. Please provide comments that will help others.

Add Your Review

Rate it here →