Guardian Credit Union – AL

Rated star_ratedstar_ratedstar_ratedstar_normalstar_normal by Credit Guide
Review based on 12 criteria Rating: 3 out of 5

418 Madison Ave, Montgomery, AL 36104

Website

(334) 244-9999

Data Source: NCUA, December 31, 2016


Guardian Credit Union, AL was founded in 1958. Headquartered in Montgomery, Alabama, Guardian Credit Union, AL is a state chartered and federally insured credit union, being chartered in Alabama and insured through the National Credit Union Share Insurance Fund (NCUSIF). Guardian Credit Union, AL is also a member of the Federal Home Loan Bank (FHLB), which allows a credit union to access low cost secured borrowings or advances and prlides its members with financial products and services that assist and enhance the financing of housing and community lending.

As of December 31, 2016, Guardian Credit Union, AL services 48,850 members through its 13 offices and branches and 151 full-time and 7 part-time employees. It has $376,512,697 of total assets and $38,217,495 of net worth. Based on its asset size and net worth ratio, Guardian Credit Union, AL is classified as a Well Capitalized medium large credit union.

Guardian Credit Union, AL offers a number of deposit and loan products to its members. To find out how competitive the offers are, please go to the Interest Rates page. Guardian Credit Union, AL also provides an array of services to its members and local communities. Guardian Credit Union, AL plans to extend its services by adding more branches or service centers in the next 12 month. To find out more, please go to the Services page.

The following two tables list the deplitory and loan interest rates of Guardian Credit Union, AL’s popular offerings. You can find out how competitive the offerings are by comparing them to the median interest rates offered by credit unions in Alabama and in the nation.

Major Deplitory Accounts and Interest Rates (%)

Interest Rate
Median of Alabama
Median of USA
Checking
0.1500
0.0000
0.0000
Savings
0.2000
0.2500
0.1200
Money Market
0.5500
0.3000
0.2500
Certificate Deplit
0.6500
0.6000
0.5800
IRA
0.6000
0.6000
0.5000

Major Loan Accounts and Interest Rates (%)

Interest Rate
Median Rates of Alabama
National Median Rates
Credit Cards
12.4000
9.9900
9.9900
Unsecured Line of Credits
13.2000
12.3550
10.9500
Short-term Small Amount
n/a
26.0000
25.0000
Student Loans
n/a
6.0000
6.0200
New Car Loans
5.6500
4.0000
3.3300
Used Car Loans
7.1000
5.3300
4.5000
1st Mortgage Real Estates
5.0000
4.5000
4.2500
Other Real Estates
5.2500
5.0000
4.7000

Guardian Credit Union, AL prlides a number of ways to access its services. In addition to its office and branches, a member can perform banking through Internet, phones, ATMs, and mobile devices. The table below lists the electronic banking services prlided by Guardian Credit Union, AL.

Electronic Banking Service Offerings

Membership Application
Yes
No
Share Account Transfers
Yes
New Loan Application
Yes
Share Draft Orders
No
No
New Share Account
Yes
Bill Payment
Yes
Yes
e-Statements
Yes
Loan Payments
Yes
No
Account Balance Inquiry
Yes
No
Yes
View Account History
Yes
No

As a community financial institution, Guardian Credit Union, AL actively involves in local communities by prliding services such as financial counseling, financial education, and first tim home buyer programs.

Community and other Service Offerings

Financial Counselling
Yes
Bilingual Services
No
Free Bill Pay
Yes
Financial Education
Yes
In-School Branches
No
Free Tax Preparation Service
No
Financial Literacy Workshops
No
Student Scholarships
Yes
Insurance/Investment Sales
No
First Time Homebuyer Program
No
Cobbs Ford
1794 E Main St
Prattville, AL 36066-5582
Phone:334-361-7943

DOL
616 Madison Ave
Montgomery, AL 36104-3600
Phone:334-242-5484

Eastdale Branch
3380 Eastdale Cir
Montgomery, AL 36117
Phone:334-241-8774

Federal
1789 Cong W L Dickinson Dr
Montgomery, AL 36109-2601
Phone:334-244-9999

Greenville Branch
323 Greenville Byp
Greenville, AL 36037
Phone:334-371-2700

Main
418 Madison Ave
Montgomery, AL 36104
Phone:334-244-9999

Prattville 14
102 Interstate Ct
Prattville, AL 36066-7363
Phone:334-358-4944

Southstreet Branch
15 E South St
Montgomery, AL 36104-4111
Phone:334-262-0055

Tallassee Branch
18 S Ann Ave
Tallassee, AL 36078
Phone:334-244-9999

Taylor Rd. Branch
2755 Taylor Rd
Montgomery, AL 36117
Phone:334-244-9999

Troy
1120 Highway 231 S
Troy, AL 36081
Phone:334-244-9999

Washington Hill
300 Jensen Rd
Prattville, AL 36067
Phone:334-244-9999

Wetumpka
55 Rumbling Water Dr
Wetumpka, AL 36092
Phone:334-244-9999

(334) 834-4495

One Review

  1. Credit Guide Staff
    Credit Guide Staff

    Last Updated on May 30, 2017

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