Guardian Credit Union Clanton AL | Best Auto Loans & Business Banking

Introduction

Welcome to Guardian Credit Union, your trusted partner in financial well-being, located at 1501 7th St N, Clanton, AL 35045. Since our establishment in 1958, we have proudly served over 91,870 members, helping them achieve their financial goals with personalized solutions and a commitment to community. At Guardian, we understand that banking is more than just transactions; it's about building relationships. Under the leadership of CEO Heath Harrell and Board President Scott Kramer, our dedicated team of 268 employees works tirelessly to provide exceptional service and support. With total assets exceeding $1,069,091,358 and a net worth of $96,180,903, we are well-equipped to meet your banking needs. While members can visit us at our Clanton branch for all your personal banking requirements including checking and savings accounts, auto loans, mortgage financing, and credit card options we also ensure easy access through online and mobile banking services. If you need to reach out for any inquiries or support, feel free to call us at 334-244-9999. We take pride in our robust financial standing, with total deposits amounting to $69,305,389 and cash in hand totaling $10,833,704. This solid foundation allows us to offer competitive rates on loans currently totaling 63,785 and to serve our members effectively. For any official correspondence that differs from our branch address, please send it to: 1501 7th St N, Clanton, AL 35045-2121. Join us as we continue to grow together within the Clanton community. Whether you're looking for a new savings account or considering a loan for your next big purchase, we invite you to explore what Guardian Credit Union has to offer. Visit our website at myguardiancu.com or come see us today!

Branch History & Mission

A Legacy of Service

Since opening our doors, Guardian has been dedicated to providing reliable financial services that empower individuals and families. Our journey began with a small group of visionaries who believed in the power of community banking. Over the decades, we've expanded our offerings to include personal banking solutions such as checking and savings accounts, auto loans, mortgages, and credit cards with rewards. In addition to financial services, we have embraced digital advancements to ensure that our members have convenient access to their accounts anytime and anywhere. With features like online banking and mobile payments, managing finances has never been easier.

Commitment to Accessibility

Our branch is equipped with an ADA-compliant facility, ensuring that all members can easily access our services. Additionally, we offer a drive-thru service for those who prefer quick transactions from their vehicles. For any official correspondence, please send mail to 1501 7th St N, Clanton, AL 35045-2121.

Join Us!

As we look toward the future, Guardian Credit Union remains committed to fostering strong relationships within Clanton and beyond. We invite you to join our growing family of satisfied members who benefit from personalized service tailored to your needs. Experience the difference at Guardian Credit Union today! For more information or assistance, feel free to call us at 334-244-9999 during our operating hours: Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. Your journey toward better financial health starts here!

Our Mission

Our mission at Guardian Credit Union is straightforward: we aim to enhance the financial well-being of our members while supporting the local community. We believe that everyone deserves access to quality financial products and services without the stress often associated with traditional banking. We are proud to be an inclusive institution that not only offers competitive rates but also invests back into Clanton through various community outreach initiatives. Whether it's sponsoring local events or partnering with organizations for educational programs, our focus remains on making a positive impact where it matters most.

Branch Location & Accessibility

Convenient Access and Parking

Parking is ample and convenient, ensuring you can quickly stop by without any hassle. Our branch is also ADA compliant, featuring ramps and accessible entrances for all members of the community. Whether you're visiting us during the week or on Saturday mornings, we strive to make your experience as smooth as possible.

Operating Hours

We understand that your time is valuable. That's why we're open Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 9:00 AM until noon. Our drive-thru service is available Monday through Thursday from 8:30 AM to 5:00 PM, Friday from 8:00 AM to 5:00 PM, and Saturday from 9:00 AM to noon. This flexibility allows you to choose a time that best fits your schedule.

Services Offered

At Guardian Credit Union, we offer a variety of personal banking services including checking and savings accounts, auto loans, mortgages, personal loans, credit cards with rewards, and business banking solutions. If you're looking for quick transactions like deposits or withdrawals, our drive-thru service makes it easy for you. Additionally, we provide ATM services that are always available for your convenience. For those who might need shared services from partner credit unions, our branch also facilitates basic transactions.

Visit Us Today!

We're excited to help you with your financial journey! Feel free to call us at 334-244-9999 if you have any questions or need assistance before your visit. We look forward to welcoming you at Guardian Credit Union in Clanton your trusted partner in finance!

Member Eligibility

Joining the Guardian community is more than just opening an account; it's about becoming part of a supportive family that cares for your financial well-being. At Guardian, we welcome anyone who lives, works, worships, or attends school in our local area. This means that whether you're a longtime resident or new to the community, you can enjoy all the benefits that come with membership. As a member, you'll gain access to personalized banking services, competitive loan rates, and a variety of financial products designed to help you thrive. Getting started is simple! To learn more about specific eligibility criteria and details on how to open your account, visit us at . If you have any questions or need assistance, feel free to reach out at (334) 244-9999. We can't wait for you to join us at our branch located at 1501 7Th St N Clanton Al 35045!

Business Banking & Commercial Services

Commercial Loans to Fuel Your Growth

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $17 in commercial loans for our members, helping businesses scale and succeed. - With an outstanding commercial loan portfolio of $4,281,812, we continue to drive economic growth by financing new and expanding businesses. Imagine being able to invest in that new piece of equipment you've been eyeing or expanding your storefront to welcome more customers. Our member-focused approach ensures you have access to the capital you need when it matters most.

Merchant Services that Make Transactions Easy

In today's fast-paced market, efficient payment processing is essential. That's why we offer comprehensive merchant services designed to simplify transactions for your business. Picture this: a busy Saturday morning at your café, where customers are lining up. With our reliable payment solutions, you'll be able to serve them quickly and efficiently keeping lines short and satisfaction high. By choosing Guardian located at 1501 7Th St N Clanton Al 35045 in Clanton, AL, you're not just getting a bank; you're gaining a partner invested in your success. Let us help you unlock your business's potential today!

Comprehensive List Of Services

Business Solutions

For our business members, we provide comprehensive Business Banking services, including Merchant Services and Business Loans. We understand the unique challenges faced by small businesses and are committed to supporting your growth with tailored financial solutions.

Credit Options

To reward our members, we offer Credit Cards with Rewards that provide benefits for everyday purchases. Enjoy cashback or points that can be redeemed for travel, merchandise, or statement credits making every dollar spent work harder for you.

Digital Banking Features

In today's fast-paced world, convenience is key. Our robust Online & Mobile Banking platform ensures you can manage your finances anytime, anywhere. From checking balances to making transfers, everything is just a few taps away. Plus, our ATM services allow for quick cash withdrawals when you're on the go.

Home Financing

Homeownership is an important milestone for many. With our flexible Mortgage Loans & Refinancing, we guide you through the process with competitive rates and personalized service. Our team is here to help whether you're buying your first home or refinancing an existing mortgage.

In-Person Services

If you prefer face-to-face interactions, visit us at our branch where we offer basic drive-thru banking for deposits and withdrawals. Additionally, as part of the shared service center network, members can conduct simple transactions at partner credit unions too. Whether you're in need of straightforward banking solutions or more complex financial products, we invite you to experience all that Guardian has to offer. For any inquiries or to learn more about specific services, please feel free to call us at (334) 244-9999. Join us today at Clanton, where your financial well-being is our priority!

Personal Banking

We understand that managing personal finances can be overwhelming. That's why our Personal Banking services include user-friendly Checking and Savings Accounts designed for everyday use. If you're considering purchasing a new car, our Auto Loans & Vehicle Financing options make it easy and affordable. Need a little extra cash? Our Personal Loans & Debt Consolidation services can help streamline your finances and reduce stress.

Digital & Online Banking

Key Services for Your Convenience

Our online banking platform provides a user-friendly experience that lets you manage your accounts with just a few clicks. Whether you're checking your balance, transferring funds, or paying bills, everything is straightforward. Plus, enjoy the benefit of e-statements, which are not only eco-friendly but also provide quick access to your financial information without the clutter of paper. Need to send money quickly? Our person-to-person transfer feature makes it simple to send cash to friends and family right from your mobile device. You can also take advantage of our mobile payments option, allowing you to make purchases securely with just your smartphone.

Security and Accessibility

We prioritize your security with electronic signature authorization, ensuring that all transactions are safe and verified. Our mobile application further enhances accessibility, putting all the essential tools for managing your finances right at your fingertips. Whether you're at home or on the go, managing your money has never been easier. With real-time account management and robust security features, you can feel confident knowing that Guardian has got you covered. For more details about our digital banking services and how they can help simplify your financial life, visit us online at https://www.myguardiancu.com/ !

Financial Strength

Growing Member Base

We're proud of our growing community of members. With a total of 187,611 share accounts, more people trust us with their finances every day. Our net shares stand at $911,982, further emphasizing our ability to lend and invest wisely for the benefit of our members. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Guardian is your trusted partner. Visit us at 1501 7Th St N Clanton Al 35045 or call (334) 244-9999 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Member-Centric Savings

Your savings are secure with us! We have $405,756,767 in share certificates and $58,657,367 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $26,251,380, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our $0 reflects our operational efficiency, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 265 full-time employees and 3 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Reinvesting for Better Services

With $83,196,610 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our capacity for lending is significant, with $24,222 in used auto loans and $857,470,944 in total loans and leases supporting your financial goals across various sectors.

Strong Financial Health

With a net worth of $96,180,903, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $905 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $367,248,067 in used vehicle loans and $106,909,452 in new vehicle loans already helping members get on the road. Whether you're purchasing a brand-new model or a reliable pre-owned vehicle, our flexible financing options make it easy for you to drive away with confidence.

Business Financing

For business owners, our outstanding commercial loans totaling $4,281,812 provide the capital needed to grow and expand. Whether you're starting a new venture or need funds for operational costs, we have tailored solutions for small businesses.

Credit Lines

Managing unexpected expenses? We offer credit lines totaling $315,323,650, giving you access to quick funds when you need them most. This flexibility allows you to handle life's surprises without added stress. If you're ready to explore any of these exciting loan products or want more information on refinancing options available at Guardian in Clanton, call us at 334-244-9999. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results. Let us help you take the next step toward achieving your financial aspirations!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $23,750,240, make buying or refinancing simple. We provide various mortgage solutions designed to fit different lifestyles and budgets. If you're interested in refinancing your existing mortgage or exploring eligibility options for first-time homebuyers, our knowledgeable staff is here to guide you through every step.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $26,816,839 in loans helping members manage their finances effectively. Our credit cards come with competitive rates and rewards programs that can enhance your everyday spending while keeping your budget intact.

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GUARDIAN CREDIT UNION