Guardian Credit Union Andalusia AL | Best Auto Loans & ATM Access

Introduction

Welcome to Guardian Credit Union! Located at 1215A Dr M L K Jr Expy, Andalusia, AL 36420, we have proudly served our community since 1958. With a total membership of 91,870 and assets exceeding $1,069,091,358, we are dedicated to providing our members with reliable financial services tailored to their needs. At Guardian, we believe in the power of community and strive to make a positive impact in every member's life. Our commitment is reflected in our offerings, which include personal banking services such as checking and savings accounts, auto loans, mortgage refinancing, credit cards with rewards, and business banking solutions. With over 268 employees, including our CEO Heath Harrell and Board President Scott Kramer, we ensure that our members receive exceptional service every time they visit us. While you can easily reach us at the branch for all your financial needs, please note that official correspondence should be sent to the same address as listed above. We encourage you to explore how Guardian can support your financial journey whether you're looking to secure a loan or simply want advice on managing your finances. Feel free to give us a call at 334-244-9999 or visit our website at myguardiancu.com for more information. We're here to help you achieve your goals with trust and reliability at every step!

Branch History & Mission

A Legacy of Service

From our humble beginnings, Guardian has evolved into a trusted credit union with a total membership of 91,870 individuals. Over the years, we have grown not just in numbers but also in our ability to meet the diverse needs of our community. With total assets reaching an impressive $1,069,091,358, we provide a wide array of services tailored to enhance your financial journey. Our mission is simple yet profound: to empower our members through accessible financial services while fostering community support. We believe that when our members thrive, the entire community flourishes. This belief drives us to continually improve and expand our offerings.

Commitment to Innovation

We recognize the importance of adapting to the needs of our members in today's fast-paced world. That's why we've embraced digital advancements like online banking and mobile payments. You can easily manage your accounts from anywhere at any time with features such as electronic signatures and person-to-person payments. Our commitment extends beyond convenience; we ensure that all our services are ADA compliant so everyone can access what they need without barriers.

Community Engagement

At Guardian, we're more than just a financial institution; we are deeply invested in our community. Our partnerships and outreach initiatives focus on supporting local events and programs that enrich lives in Andalusia and surrounding areas. Whether it's through educational workshops or sponsorships of community activities, we strive to make a positive impact.

Join Us Today!

While you can visit us at 1215A Dr M L K Jr Expy, official correspondence should be sent to 1215A Dr M L K Jr Expy, Andalusia, AL 36420-3431 if needed. We invite you to experience the difference at Guardian. Visit us during our operating hours Monday through Thursday from 9:00 AM to 4:30 PM and Friday from 8:30 AM to 5:00 PM or call us at 334-244-9999 for any inquiries. Become part of a credit union that values you as a member and is dedicated to your success!

Branch Location & Accessibility

Welcome to the Guardian Credit Union branch located at 1215A Dr M L K Jr Expy in beautiful Andalusia, Alabama! Our friendly team is here to help you with all your banking needs in a convenient and accessible setting. Whether you're looking for personal banking services, auto loans, or mortgage refinancing, we have everything you need right at your fingertips. Situated just a stone's throw away from local landmarks, our branch is easy to find. Parking is readily available, ensuring that you can visit us without any hassle. We pride ourselves on being accessible to everyone; our facilities are ADA compliant, featuring ramps and other amenities to assist those with mobility challenges. Our operating hours are designed with your schedule in mind. We're open Monday through Thursday from 9:00 AM to 4:30 PM, and on Fridays from 8:30 AM to 5:00 PM. Unfortunately, we are closed on Saturdays, but our online and mobile banking options are available around the clock for your convenience. For added ease, we offer ATM services right at our location so you can access your funds anytime. While we don't have drive-thru service, our welcoming lobby is ready to serve you in person. If you're visiting from a neighboring credit union, you can also take advantage of our shared service center for basic transactions. Should you need assistance or have questions before stopping by, feel free to give us a call at 334-244-9999. We can't wait to welcome you into our branch and help you achieve your financial goals!

Member Eligibility

Becoming a member of Guardian is like joining a caring community where your financial well-being is our top priority. If you live, work, worship, or attend school in the Andalusia area, you're likely eligible to join us! We welcome individuals and families looking for a supportive place to manage their finances and achieve their dreams. At Guardian, members enjoy personalized service and access to a variety of products tailored to your needs, from checking accounts to auto loans and beyond. Ready to take the next step? Opening an account is simple! Just give us a call at (334) 244-9999 or visit our branch located at 1215A Dr M L K Jr Expy Andalusia Al 36420. For more detailed information about membership eligibility and to stay updated on any changes, check out our website at . We can't wait to welcome you into the Guardian family!

Business Banking & Commercial Services

Business Loan Options

Imagine having the financial backing to expand your operations or invest in new technology. With our commercial loan programs, we help businesses like yours thrive. 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.

Merchant Services

Managing payments shouldn't be complicated. Our merchant services provide you with the tools to accept payments easily, allowing you to focus on what matters most growing your business. From credit card processing to online payment options, we help streamline your transactions so you can serve your customers better. If you're looking for reliable support for your business banking needs, visit us at 1215A Dr M L K Jr Expy Andalusia Al 36420 in Andalusia, AL. Let's work together to unlock the full potential of your business!

Comprehensive List Of Services

Business Banking Services

For small business owners, we understand that managing finances can be challenging. That's why we offer Business Banking services, including Merchant Services & Business Loans, so you can focus on growing your business while we take care of the financial aspects.

Digital Banking Features

Embracing technology, our digital banking features ensure you have access to your accounts anytime and anywhere. With Online & Mobile Banking, you can check balances, transfer funds, and pay bills with just a few clicks on your smartphone or computer. Our ATM & Cash Withdrawal Services allow for easy access to cash when needed whether it's through one of our ATMs or basic shared branch transactions for partner credit union members.

Member Convenience

At Guardian, convenience is key. We provide basic ATM access for withdrawals and balance checks without any hassle. You can also enjoy the benefits of being part of a shared service center, allowing you to perform essential transactions at partner locations across the country. In summary, whether you're managing personal finances or running a business, Guardian is here for you with a comprehensive suite of services that cater to all your banking needs. Don't hesitate to reach out! Give us a call at (334) 244-9999 or visit us online at Andalusia for more information about how we can assist you today!

Personal Banking Solutions

Our personal banking services are tailored to help you manage your finances effectively. You can open Checking & Savings Accounts that suit your lifestyle, making it easy to save for future goals or manage daily expenses. For those considering a new vehicle, our Auto Loans & Vehicle Financing options provide competitive rates, making it easier for you to drive home in the car of your dreams. When it comes to real estate, we offer Mortgage Loans & Refinancing services designed to fit various budgets and needs. Additionally, if you're facing unexpected expenses or looking to consolidate debt, our Personal Loans & Debt Consolidation options can provide the financial relief you need. Plus, with our Credit Cards with Rewards, every purchase helps you earn points for future rewards.

Digital & Online Banking

Key Features

One of the standout features is the ability to set up electronic signature authorization, allowing you to sign documents securely without needing to visit a branch. Plus, with e-statements available, you'll enjoy the benefits of going paperless while keeping all your financial records organized and easily accessible. Need to send money to a friend? Our person-to-person transfer feature lets you do just that in seconds no cash needed! And if you're a fan of mobile payments, you're in luck; we offer that too, making it easy to pay for purchases directly from your phone.

Security and Accessibility

Your security is our top priority. Our online banking services are equipped with advanced security measures to protect your personal information. You can bank with confidence knowing that your data is safe. At Guardian, we believe banking should be as straightforward as possible. Our digital services empower you to manage your finances in real-time from anywhere. Say goodbye to long lines and hello to hassle-free banking!

Financial Strength

Commitment to Growth

We believe in reinvesting in our community. With $83,196,610 in undivided earnings, we enhance innovative banking tools, stronger lending options, and improved security measures to serve you better. Our lending capacity is impressive, featuring $24,222 in used auto loans and $857,470,944 in total loans and leases to support your financial goals across various sectors.

Member Savings & Investments

Your savings are secure with us. We proudly manage $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 operational efficiency shines through with a reported $0. This reflects our ability to manage resources wisely while continuing to offer 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.

Our 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. This solid base is reinforced by our net worth ratio of $905, demonstrating a robust capital foundation. This ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Trust Built Over Time

With total share accounts reaching 187,611, we showcase a strong and growing member base that trusts us with their finances. Our net shares available for lending and investments amount to $911,982, further demonstrating our commitment to fostering healthy financial relationships within the community. 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 1215A Dr M L K Jr Expy Andalusia Al 36420 or call (334) 244-9999 to learn more about how we can help you achieve your financial goals.

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 interested in financing a brand-new model or a reliable pre-owned option, we have flexible terms to fit your budget.

Business Financing

For business owners, our outstanding commercial loans totaling $4,281,812 provide the capital needed to grow and expand. We understand that running a business comes with unique challenges, and we're here to support your ambitions with tailored financing solutions.

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 plans tailored to your financial situation, making it easier for you to take that important step toward owning your home.

Refinancing Options

If you're considering refinancing existing loans for better rates or terms, we can guide you through that process too. We work closely with members to ensure they are aware of eligibility options that might save them money over time. At Guardian, we are committed to transparency and service excellence. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. If you're ready to explore your borrowing options or have any questions, don't hesitate to reach out at (334) 244-9999. Let us help you take the next step toward achieving your financial dreams!

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. With competitive interest rates and no collateral required, our credit cards can help you build credit while enjoying rewards along the way.

Loan Aggregator

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Guardian