Guardian Credit Union Prattville AL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Guardian, your trusted partner in financial wellness since 1958. Located at 102 Interstate Ct, Prattville, AL 36066, we proudly serve a vibrant community of over 91,870 members who rely on us for their banking needs. As part of our commitment to providing exceptional service, we manage assets totaling an impressive $1,069,091,358 and offer a range of services designed to help you achieve your financial goals. At Guardian, we believe that banking should be personal and accessible. That's why we've created a welcoming environment where members can experience the benefits of competitive rates on loans and deposits, including total deposits amounting to $69,305,389. Our dedicated team of 268 employees, led by CEO Heath Harrell and Board President Scott Kramer, is here to assist you every step of the way. While you can visit us at our Prattville branch for all your banking needs, please note that official correspondence should be directed to our mailing address at 102 Intersate Court, Prattville, AL 36066. Whether you're interested in personal loans, credit cards with rewards, or business banking services like merchant services and business loans, we've got you covered. We take pride in not just being a bank but also a valued member of the community. With a focus on financial education and support, we are here to help you navigate your financial journey confidently. If you have any questions or need assistance, don't hesitate to reach out to us at 334-244-9999. Join us at Guardian today and discover how we can help you thrive financially! Visit our website at myguardiancu.com for more information about our services and offerings. We look forward to serving you!

Branch History & Mission

Community Commitment

As we reflect on our history, we recognize the importance of community involvement. Guardian is not just about transactions; it's about building relationships. We engage in numerous outreach efforts aimed at uplifting those around us. Whether through partnerships with local organizations or participation in community events, we strive to make a positive impact beyond banking. In addition to traditional banking services, we embrace digital advancements that enhance the member experience. With features like online banking and mobile payments, we ensure that our members can manage their finances conveniently and securely.

Looking Ahead

At Guardian, we're excited about the future. With continual improvements in technology and service offerings, including our shared service center availability and ATM access, we aim to cater to the evolving needs of our membership. Our drive-thru service provides additional convenience for those on-the-go. We invite you to join us on this journey! Experience firsthand how being part of Guardian means more than just having a bank account it means being part of a community that cares about your financial health. For any inquiries or assistance, feel free to reach out at 334-244-9999 or visit us during our operating hours: Monday through Thursday from 8:30 AM - 4:30 PM and Friday from 8:30 AM - 5:00 PM. Together, let's build a brighter financial future!

Our Story

Located at 102 Interstate Ct, Prattville, AL 36066, our branch has become a cornerstone for local residents seeking financial guidance and support. This location not only serves as a hub for banking but also as a space where community connections flourish. Our proximity to local landmarks enhances our accessibility, making it easy for members to reach out for assistance. From the start, our mission has been clear: to empower our members financially while actively contributing to the community's well-being. We take pride in offering various services tailored to meet diverse needs ranging from personal banking options like checking and savings accounts to auto loans and mortgage refinancing. Our goal is to ensure that every member feels supported and valued throughout their financial journey.

Branch Location & Accessibility

Accessibility Features

At Guardian, we believe in providing accessible services for everyone. Our branch is ADA compliant, featuring ramps and designated parking spots to ensure that all members can easily access our facilities. Plus, with ample parking available right outside, visiting us is hassle-free.

Call To Action

We invite you to come by and see how Guardian can support your financial journey. Whether you want advice on loans or just need help with day-to-day banking needs, our friendly team is ready to assist you. Have questions? Give us a call at 334-244-9999 we look forward to serving you!

Operating Hours

We know that life can be busy, so we offer flexible banking hours designed to fit your schedule. Our lobby hours are Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 8:30 AM to 5:00 PM. We also open our drive-thru service early on weekdays at 8:00 AM perfect for those who prefer a quick transaction without leaving their car. On Saturdays, we are open until noon for both lobby and drive-thru services.

Services Offered

At Guardian, we're proud to offer a wide range of services tailored just for you. From personal banking options like checking and savings accounts to auto loans and mortgages, we've got you covered. Our drive-thru allows for simple transactions such as deposits and withdrawals without needing to step inside the branch. If you're a member of a partner credit union, feel free to take advantage of our shared services too!

Member Eligibility

At Guardian, we believe that everyone deserves a place in our community, and becoming a member is your first step towards enjoying personalized financial services designed just for you. If you're looking to join us at our Prattville location, you'll be pleased to know that membership is open to individuals who live, work, worship, or attend school in the Autauga County area. This means that whether you're a long-time resident or new to the community, there's a good chance you qualify to be part of our family. Once you're ready to take that step, opening an account is simple! Just visit us at 102 Interstate Ct Prattville Al 36066 or give us a call at (334) 244-9999 for guidance on how to get started. We encourage you to check out more detailed eligibility criteria here, so you can feel confident about your decision. Join us today and discover all the benefits of being a member at Guardian, where your financial well-being is our top priority!

Business Banking & Commercial Services

Business Loans That Empower Growth

Imagine having the financial support you need to launch a new product line or upgrade your equipment. 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. This means more opportunities for local entrepreneurs to thrive. - We also support the broader business community with $0 in non-member commercial loans, providing flexible financing solutions. With an outstanding commercial loan portfolio of $4,281,812, we continue to drive economic growth by financing new and expanding businesses in Prattville, AL.

Merchant Services That Make Transactions Easy

We also offer merchant services tailored to fit your business needs. Imagine being able to accept payments easily from customers while keeping track of sales effortlessly. With our solutions, you can focus on what you do best running your business while we take care of the payment processing. If you're ready to explore how our services can support your business goals, visit us at 102 Interstate Ct Prattville Al 36066 or give us a call at (334) 244-9999. Together, we can pave the way for your business's future!

Comprehensive List Of Services

Business Banking

For entrepreneurs and small businesses, we offer specialized services that include merchant services and business loans. Our team is dedicated to supporting your business's growth by providing financial solutions designed specifically for your commercial needs.

Commitment to Service

At Guardian, we pride ourselves on being more than just a financial institution; we're a part of your community. Our friendly staff is always ready to assist you with any questions or concerns you might have. If you're ever in need of support or guidance regarding any of our services, don't hesitate to reach out at (334) 244-9999. We invite you to explore all that we have to offer at Prattville 14! Visit us today or check out our website at myguardiancu.com for more information on how we can help you achieve your financial goals. Your journey towards better banking starts here!

Convenient Access

When it comes to accessing cash or conducting simple transactions, our ATM & cash withdrawal services are readily available for your convenience. You can also take advantage of our basic drive-thru banking for quick deposits or withdrawals without leaving your car. Additionally, as part of our community network, we offer basic shared branch transactions so members from partner credit unions can easily handle their banking needs here.

Credit Options

In times when unexpected expenses arise, our personal loans and debt consolidation options can provide you with the financial relief you need. Plus, if you want to earn rewards while spending, consider our credit cards with rewards that offer benefits tailored to your spending habits.

Digital Banking

We know how important it is for you to manage your finances on-the-go. That's why we provide robust online and mobile banking features, allowing you to access your accounts anywhere, anytime. With secure options like mobile payments and easy transactions like person-to-person transfers, managing your money has never been easier.

Personal Banking

Our personal banking services make managing your finances easy and accessible. Whether you're looking to open a checking or savings account, we have options that cater to your lifestyle. If you're in the market for a new vehicle, our auto loans and vehicle financing solutions can help you get behind the wheel with competitive rates and flexible terms. For those planning to buy a home, our mortgage loans and refinancing services will guide you through the process smoothly, making homeownership a reality.

Digital & Online Banking

Key Features for Your Convenience

With 24/7 online banking services, you can check balances, transfer funds, and pay bills whenever it suits you. Our user-friendly interface ensures that even those new to digital banking can navigate with ease. Plus, with electronic signature authorization, signing documents has never been more straightforward no need for printing or mailing. If you're looking to simplify your statement management, we provide e-statements that not only save paper but also give you quick access to your financial records. Enjoy the peace of mind knowing that your information is stored securely and is easily retrievable whenever you need it. For those who are always on the move, our mobile application allows you to manage your accounts directly from your smartphone. You can make mobile payments effortlessly and even send money to friends or family through our person-to-person transfer feature. This means no more waiting in line; just a few taps on your phone, and you're done! At Guardian, we prioritize security alongside convenience. Our systems are designed to protect your data while offering real-time account management right at your fingertips. Embrace a hassle-free way of banking today and discover how our digital services can enhance your financial life!

Financial Strength

Committed to Service Excellence

Our commitment to operational efficiency is reflected in our $0, which enables 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.

Growing Membership Confidence

Our net shares (funds available for lending and investments) stand at $911,982, while the total number of share accounts reflects trust from our community with 187,611 accounts. This strong member base shows that people believe in what we offer. In conclusion, 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 102 Interstate Ct Prattville Al 36066 or call (334) 244-9999 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $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.

Reinvesting in Our Future Together

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 lending capacity supports members' financial goals across various sectors with $24,222 in used auto loans and $857,470,944 in total loans and leases.

Solid 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. We make financing easy, whether you're interested in a brand-new vehicle or a reliable used one.

Business Financing

For business owners, our outstanding commercial loans totaling $4,281,812 provide the capital needed to grow and expand. We know how important it is for businesses to have access to funding when they need it most.

Credit Lines

If you're looking for flexibility, our total credit lines amounting to $315,323,650 can help you manage unexpected expenses or take advantage of unique opportunities without breaking the bank. We also offer refinancing options for many of our loan products. If you're considering refinancing your current loans or need assistance determining eligibility for our offerings, don't hesitate to reach out. For more information about any of our loan products or services, please contact us at (334) 244-9999 or visit us at our branch located at 102 Interstate Ct Prattville Al 36066 in Prattville, AL. Our team is ready to assist you and help find the perfect solution tailored to your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

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 aim to guide you through every step of the process so that you feel confident in your decisions.

Unsecured Credit Cards

Managing day-to-day expenses can be easier with our flexible terms on unsecured credit card loans. With a total of $26,816,839 in loans helping members manage their finances effectively, you can enjoy peace of mind knowing that you're backed by a reliable credit option.

Loan Aggregator

Benefits of Using LendMesh

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How LendMesh Ensures Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This sourcing guarantees that users receive fair and transparent offers. By working exclusively with verified financial institutions, LendMesh assures that all loan offers are legitimate and trustworthy.

GUARDIAN CREDIT UNION