West Palm Beach, FL 33406

Notable Rates APY Vs.Others
Savings 0.20% 2.60% →
1-Year CD 0.95% 2.25% →
2-Year CD N.A. 2.50% →
5-Year CD 1.00% 2.80% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2019 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 $174.79 millions in assets.

NCUA Insured Yes
Charter Number # # 67521
Date Established 1991
Assets $174.79 million
Loans $108.19 million
Deposits $147.50 million
Capital $23.63 million

Field of Membership Restrictions

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

Deposit Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.60% $1,000 - Learn MoreShow Less
Fixed IRA
0.95% $1,000 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.95% $1,000 - Learn MoreShow Less
12 Mo CD
0.95% $1,000 - Learn MoreShow Less
30 Mo CD
1.00% $1,000 - Learn MoreShow Less
36 Mo CD
1.00% $1,000 - Learn MoreShow Less
48 Mo CD
1.00% $1,000 - Learn MoreShow Less
60 Mo CD
1.00% $1,000 - Learn MoreShow Less

Loan Rates - November 22, 2019

Your Current Location: Virginia, VA 20146

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 - Virginia 30 Year Fixed Mortgage Rates 2019

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.990% 4.990% 0.00 $0 $1,341 Learn More
NMLS ID: 2890
License#: MC-3098
3.530% 3.500% 0.38 $930 $1,123 Learn More
Rocket Mortgage
NMLS ID: 3030
4.875% 4.875% 0.00 $0 $1,324 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
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info
Atlantic Union Bank
Atlantic Union Bank
4.750 %
$15,000 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

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
5.94% 5.86

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 June 30, 2019, Guardians had $1,472,426 in non-current loans and $3,000 in owned assets. To cover these potential losses it had $23,625,767 in net worth and $1,211,092 in loans loss reserves. That gives it a Texas Ratio of 5.94%.

Net Worth
Guardians U.S. Average
13.51% 13.65%

Guardians FCU has a net worth of 13.51% 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.

Frequently Asked Questions About Guardians

Branches and Savings

What is Guardians?

A federal credit union, registered with the NCUA under certificate #67521.
Learn more about credit unions here.

Is Guardians 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 Guardians?

Please see Field of Membership information above for information on who is eligible to join.

What are Guardians's share account and share certificate rates?

Guardians'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 Guardians?

Guardians has total capital of $23.63 million. Full information on Guardians's financial position is located above.

Who owns Guardians?

Credit Unions are owned by their members.

Where are Guardians branches located?

See branch locations nearby.

Are Guardians ATMs Open 24/7?

Do Guardians ATMs accept cash deposits?

Can Guardians customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Guardians have a mobile app?

Does Guardians have mobile deposit?

Does Guardians have quick pay?

How can Guardians transfer money to other banks or credit unions?

Does Guardians report to credit bureaus?

Does Guardians use Chexsystems?

Does Guardians use Equifax?

What is Guardians's toll free phone number?

What is Guardians's ACH Routing Number?

What is Guardians's SWIFT code?

Where can I find Guardians's wire transfer form?

What is the Guardians address for deposits?

What Products Does Guardians Offer

Does Guardians offer mortgages?

Compare mortgage rates here.

Does Guardians offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Guardians offer auto and RV loans?

Compare auto loan rates here.

Does Guardians offer student loans or personal loans?

Compare personal loan rates here.

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