Guardian Credit Union Montgomery AL | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Guardian, your trusted financial partner located at 616 Madison Ave, Montgomery, AL 36104. Established in 1958, we have proudly served our community for decades, providing personalized banking solutions tailored to meet the needs of our 91,870 members. With total assets of over $1.06 billion and a robust net worth of $96,180,903, we are committed to ensuring your financial well-being. At Guardian, we offer a variety of services including checking and savings accounts, auto loans, mortgage refinancing, personal loans, and credit cards with rewards. Our dedication to serving you extends beyond just transactions; we aim to build lasting relationships that help you achieve your financial goals. Under the leadership of our CEO Heath Harrell and Board President Scott Kramer, our team of 268 employees is here to assist you with expert advice and support. We understand the importance of accessibility, which is why we're dedicated to providing exceptional member service both in-person and online through our website myguardiancu.com. While members can visit us at our branch location, official correspondence should be sent to the same address: 616 Madison Ave, Montgomery, AL 36104-3600. Join us today and discover how Guardian can make a difference in your financial journey. For inquiries or assistance, feel free to call us at 334-244-9999. Let's work together toward a brighter financial future!

Branch History & Mission

Community Focus

Guardian is proud of its deep ties within Montgomery. We engage in various outreach efforts aimed at supporting local initiatives and charities. Through partnerships with community organizations, we work tirelessly to uplift those around us. As we look towards the future, we remain committed to being a cornerstone of support for all members of our community. Whether you're looking for personal finance solutions or business support, Guardian is here for you every step of the way.

Join Us

We invite you to become part of the Guardian family. Experience firsthand the benefits of membership where your financial well-being is our top priority. Together, let's build a stronger future for Montgomery! Visit us today or explore more about what we offer at our website.

Our Mission

At Guardian, our mission is clear: We aim to empower our members with financial services that foster growth and security while actively contributing to the well-being of our community. We believe in more than just banking; we strive to create lasting relationships built on trust and support. We provide a wide range of services including personal banking options like checking and savings accounts, auto loans, mortgage refinancing, and credit cards with rewards. For businesses, we offer merchant services and business loans designed to help them thrive. While you can visit us at 616 Madison Ave for your banking needs during our operating hours Monday through Thursday from 8:30 AM to 4:00 PM and Friday until 5:00 PM we encourage you to reach out via phone at 334-244-9999 for any inquiries or assistance. If you need to send official correspondence, please use our mailing address at 616 Madison Ave, Montgomery, AL 36104-3600.

Our Story

Since our inception, Guardian has focused on serving the needs of our community with dedication and care. Over the decades, we've expanded our services and offerings to adapt to the evolving financial landscape. Today, we proudly manage total assets of over $1 billion, reflecting our commitment to providing robust financial solutions tailored to our members' needs. Our journey has been marked by significant milestones, including the introduction of innovative banking technologies and services that enhance member convenience. With options like online banking and mobile payments, we ensure that managing your finances is as straightforward as possible.

Branch Location & Accessibility

Welcome to Guardian at 616 Madison Ave, Montgomery, AL 36104! Our branch is conveniently located in the heart of Montgomery, making it easy for you to access all your banking needs. Whether you're visiting us after a trip to the nearby Alabama State Capitol or enjoying a day out in the vibrant downtown area, we are here to serve you. At Guardian, we pride ourselves on our commitment to accessibility. Our location features ADA-compliant entry points and ample parking, ensuring that everyone can enjoy a seamless banking experience. While our branch does not offer drive-thru service or ATM facilities at this time, our friendly staff is always ready to assist you during lobby hours. You can visit us Monday through Thursday from 8:30 AM to 4:00 PM and on Friday from 8:30 AM to 5:00 PM. We invite you to come in and explore our wide range of services, including personal checking and savings accounts, auto loans, mortgage options, and credit cards with rewards. If you have any questions or need assistance, don't hesitate to reach out by calling us at 334-244-9999. For official correspondence, please use our mailing address at 616 Madison Ave, Montgomery, AL 36104-3600. We look forward to welcoming you at Guardian your trusted partner in financial success!

Member Eligibility

Becoming a member of Guardian is like joining a caring family that supports your financial journey! If you live, work, worship, or attend school in the Montgomery area, you're likely eligible to join us. We're all about community and helping our members thrive, so whether you're looking for personal banking services or loans, we have something for everyone. To make the process even smoother, you can check out the detailed eligibility criteria at , where you'll find everything you need to know. Once you've confirmed your eligibility, opening an account is easy and straightforward! Just give us a call at (334) 244-9999 or visit us at our branch located at 616 Madison Ave Montgomery Al 36104. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Commercial Loans That Empower

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 That Make a Difference

Imagine running your business without worrying about payment processing. Our merchant services provide simple solutions for accepting payments, allowing you to focus on what matters most growing your business. From credit card processing to electronic invoicing, we help streamline operations, making it easier for you to serve your customers efficiently. Located at 616 Madison Ave, Montgomery, AL 36104, we're here to partner with you on your business journey. Reach out at 334-244-9999 to learn more about how Guardian can support your financial needs!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

Thinking about buying a new car? We understand that securing an auto loan can be daunting. That's why our auto loans and vehicle financing options come with competitive rates and flexible terms. Picture driving off in your dream car without breaking the bank our team will guide you through the process every step of the way.

Business Banking

If you're a business owner, our business banking services are tailored specifically for you. From merchant services that help streamline payments to business loans designed to fuel growth, we understand what it takes to run a successful venture. Our commitment doesn't stop at traditional banking methods; we also embrace technology for convenience and ease of access. With features like mobile payments, person-to-person transfers, and e-statements, managing your finances has never been easier. If you have any questions about our services or would like assistance getting started, please don't hesitate to call us at (334) 244-9999. Come visit us at Guardian, where we're excited to help you achieve your financial goals!

Credit Cards with Rewards

For those who want to earn as they spend, our credit cards with rewards provide great benefits for everyday purchases. Imagine earning points for cash back or travel rewards just by using your card for groceries or gas!

Mortgage Loans & Refinancing

Homeownership is within reach thanks to our mortgage loans and refinancing services. Whether you're purchasing a new home or looking to refinance your existing mortgage for better rates, we are here to help. Our mortgage specialists work closely with you to find the best solution that fits your financial situation.

Personal Banking

When it comes to personal banking, we offer a variety of options tailored to help you manage your money effectively. Our checking and savings accounts are designed to fit different lifestyles and goals. Imagine easily accessing your funds while earning interest on your savings our accounts make that possible! Plus, with our online and mobile banking, you can check balances, transfer funds, and pay bills right from your smartphone.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way, which is why we offer personal loans and debt consolidation options. If you're facing high-interest debts, consolidating them into one manageable payment can relieve financial stress. Let us help you create a path toward financial freedom.

Digital & Online Banking

Key Features

Our online banking platform allows you to manage your accounts in real time. You can check balances, transfer funds, and pay bills all from the comfort of your home or on the go. If you're always on the move, our mobile application provides an even more streamlined experience. It includes features like mobile payments that let you make purchases directly from your phone with ease. For those moments when you need to send money to friends or family quickly, our person-to-person transfer feature makes it simple and fast. Plus, with electronic signature authorization available, signing documents is quick and hassle-free, eliminating the need for paper forms.

Security and Accessibility

We take your security seriously at Guardian. Our digital banking services are equipped with advanced security measures to protect your information while making it easy for you to bank online safely. Whether you're using our website or mobile app, rest assured that your data is secure. Additionally, e-statements are available to help you keep track of your finances without cluttering your mailbox. This not only helps you stay organized but also supports our commitment to being eco-friendly. In today's fast-paced world, having reliable and user-friendly banking options is essential. At Guardian, we strive to provide just that tools that empower you to take control of your finances effortlessly. Experience the convenience of modern banking by visiting us online today!

Financial Strength

Efficient Operations

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

Reinvestment for Growth

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. This ensures that as our membership grows currently at **187,611 accounts we can provide even more robust services tailored to your needs.

Secure 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.

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.

Strong Lending Capacity

Our lending capacity supports members' financial goals across various sectors. We currently have $24,222 in used auto loans and $857,470,944 in total loans and leases ready for those looking to make significant purchases or investments.

Your Trusted Partner

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 616 Madison Ave Montgomery Al 36104 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 new or used vehicle, we have options to fit your needs.

Credit Lines

If you're looking for more flexibility in managing expenses or planning for unexpected costs, consider our credit lines. We currently have a total of $315,323,650 available in credit lines ready for our members to use as needed.

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 competitive rates and flexible terms to help you secure the home you've always wanted.

Refinancing Options

If you already have an existing loan but are looking for better rates or terms, we encourage you to explore our refinancing options. Our team is here to help you determine eligibility and find solutions that can save you money over time. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. No matter what type of loan you need be it an auto loan, mortgage, or credit card we're committed to providing personalized service and competitive rates to meet your financial needs. Visit us today at Guardian and take the first step towards securing your future!

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. These cards come with benefits designed to support your everyday spending while keeping your budget in check.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a focus on transparency and accuracy, LendMesh offers users a clear view of their options without the confusion often found in the lending market. 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 ensures that users receive fair and transparent offers. Each loan comparison is built on verified data from legitimate financial institutions, eliminating any guesswork about the reliability of the information provided. One of the standout features of LendMesh is its commitment to unbiased results. There are no sponsored listings; lenders are not prioritized based on paid promotions. This means users can trust that the comparisons they see reflect true market offerings rather than influenced rankings. Additionally, LendMesh provides real-time rate comparisons from multiple institutions, empowering users to make informed decisions based on up-to-date information. Thousands of users trust LendMesh for their loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Such testimonials highlight how LendMesh not only simplifies the search for loans but also delivers tangible savings for its users. Compare real-time loan offers today at LendMesh and find the best rates for your needs. Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.

Guardian