Guardian Credit Union Montgomery AL | Low Mortgage Rates & Business Banking

Introduction

Welcome to Guardian, your trusted financial partner located at 418 Madison Ave, Montgomery, AL 36104. Established in 1958, we have proudly served our community for over six decades, helping 91,870 members achieve their financial goals. With total assets of $1,069,091,358 and a strong commitment to member service, we focus on providing personalized banking solutions that meet your unique needs. At Guardian, we understand the importance of community and strive to make a positive impact through every interaction. Our dedicated team of 268 employees, led by CEO Heath Harrell and Board President Scott Kramer, is here to support you with a variety of services. From checking and savings accounts to auto loans, mortgage refinancing, and credit cards with rewards, we offer a wide range of products designed to enhance your financial well-being. While members can visit us at our branch location, official correspondence should be sent to the same address: 418 Madison Ave, Montgomery, AL 36104. With total deposits amounting to $69,305,389 and significant cash reserves of $10,833,704, we are well-positioned to help you manage your finances effectively. If you're looking for a reliable financial institution that prioritizes your needs and fosters a sense of community, look no further than Guardian. We invite you to reach out at 334-244-9999 or visit our website at myguardiancu.com to learn more about how we can assist you today!

Branch History & Mission

Community Focus

Guardian is not just about numbers; it's about people. We actively engage with the Montgomery community through various outreach programs and partnerships aimed at uplifting those around us. By focusing on education and support, we strive to make a positive impact in the lives of our members and neighbors. While members can visit us at 418 Madison Ave for all their banking needs during our operating hours Monday through Thursday from 8:30 AM to 4:30 PM and Friday from 8:30 AM to 5:00 PM official correspondence should be sent to the same address. Join us on this journey towards financial empowerment! At Guardian, you're more than just a member; you're part of a family that cares about your success. Experience firsthand the benefits that come with being part of Guardian by visiting us or calling at 334-244-9999 today!

Our Mission

At Guardian, our mission extends beyond traditional banking. We aim to enhance the quality of life for our members through exceptional financial services while fostering community engagement. We believe in empowering individuals by offering competitive rates on personal and business loans, mortgages, auto financing, and credit cards with rewards. Our commitment to responsible lending helps families achieve their dreams and supports local businesses in thriving. We also recognize the importance of accessibility in today's world. That's why we've embraced digital advancements like online banking, mobile payments, and e-statements. Whether you prefer visiting us in person or managing your finances from your phone, we are here for you. Our branch offers both ATM availability and drive-thru banking for your convenience.

Branch Location & Accessibility

Welcome to Guardian, your friendly neighborhood credit union located at 418 Madison Ave Montgomery Al 36104 in the heart of beautiful Montgomery, AL. We're proud to serve our members with a range of financial services designed to meet your needs. Our branch is conveniently situated near local landmarks, making it easy for you to stop by and connect with us. At Guardian, accessibility is a top priority. Our location offers ample parking and features compliant with ADA standards, ensuring that everyone can visit us comfortably. Whether you prefer to walk in or use our convenient drive-thru service, we've got you covered! Our drive-thru hours are designed for your busy schedule, opening early at 8:00 AM on weekdays. We understand that banking hours matter. That's why we welcome you from Monday through Thursday between 8:30 AM and 4:30 PM, and on Fridays until 5:00 PM. If you have any questions or need assistance, don't hesitate to reach out at (334) 244-9999. If you're looking for quick transactions, we also have an ATM available right here at our branch for your convenience. And while members can visit us at 418 Madison Ave Montgomery Al 36104, official correspondence should be sent to our mailing address at 418 Madison Ave, Montgomery, AL 36104. We invite you to come explore all the services we offer from personal banking options like checking and savings accounts to auto loans and credit cards with rewards. With our dedicated team ready to assist you, we look forward to helping you achieve your financial goals. So why wait? Stop by today or give us a call!

Member Eligibility

At Guardian, becoming a member is like joining a friendly family dedicated to helping you achieve your financial dreams. If you're interested in being part of our community, the good news is that eligibility is designed to be welcoming and straightforward. Generally, anyone who lives, works, worships, or attends school in the Montgomery area can join us. We also encourage family members of existing members to apply! This means that whether you're just starting out or looking for a place to grow your finances, we have something for you. Joining Guardian comes with fantastic benefits, including access to competitive rates on loans and savings accounts, personalized service, and a suite of digital banking tools to make managing your money effortless. Ready to take the next step? You can find all the details about membership criteria at . If you have any questions or need assistance along the way, don't hesitate to give us a call at (334) 244-9999. We can't wait to welcome you through our doors at 418 Madison Ave Montgomery Al 36104!

Business Banking & Commercial Services

Business Loans That Fuel 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. - 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.

Merchant Services Made Easy

In addition to loans, we offer practical merchant services designed to simplify daily operations. Imagine being able to accept payments easily from your customers, whether online or in-person. Our services help streamline transactions, making it easier for you to focus on what matters growing your business. Come visit us at 418 Madison Ave Montgomery Al 36104 in Montgomery, AL, or call us at (334) 244-9999 to learn more about how our business banking and commercial services can benefit you!

Comprehensive List Of Services

Auto Loans & Vehicle Financing

If you're in the market for a new vehicle, our auto loans and vehicle financing options are perfect for getting you on the road. We understand that purchasing a car can be stressful, which is why we aim to make the financing process smooth and straightforward. With competitive rates and flexible terms, you can drive away knowing you've made a smart financial choice.

Business Banking Services

For entrepreneurs and small business owners, we offer tailored business banking solutions, including merchant services and business loans. We understand the unique challenges businesses face, and our team is ready to assist in finding the right financial tools to help your business thrive.

Convenient Online & Mobile Banking

Emphasizing convenience, our robust online and mobile banking services allow you to manage your accounts from anywhere. Need to check your balance? Want to transfer money? You can do it all with just a few taps on your smartphone or clicks on our website. At Guardian, we are committed to supporting our members' financial journeys with personalized service and innovative solutions. For more information about any of these services or assistance with opening an account, don't hesitate to reach out at (334) 244-9999 or visit us online at Main. Your journey toward smarter financial management begins here!

Credit Cards with Rewards

Our credit cards with rewards program allows members to earn points on every purchase they make. Imagine using your card for daily expenses and watching those points add up towards exciting rewards like travel or cash back! It's an excellent way to benefit from your everyday spending.

Mortgage Loans & Refinancing

Buying a home is one of the biggest decisions you'll ever make. At Guardian, we offer mortgage loans and refinancing options to help make homeownership a reality. Our experienced team will guide you through each step of the process, ensuring that you find the right mortgage product that fits your budget and lifestyle.

Personal Banking Solutions

For those seeking to manage their everyday finances, we offer various checking and savings accounts designed to fit your lifestyle. Imagine having a checking account that allows you to easily track your spending while earning interest on your savings. With our user-friendly online and mobile banking platforms, you can access your accounts anytime, anywhere. Plus, our ATM services ensure you can make cash withdrawals or check balances with ease.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. That's why we provide personal loans and debt consolidation solutions to help you manage any financial challenges. Whether it's an urgent repair or consolidating high-interest debt into one manageable payment, we're here to support you every step of the way.

Digital & Online Banking

Accessibility & Ease-of-Use

We prioritize accessibility and ease of use in all our digital banking features. Our platform is user-friendly, so whether you're tech-savvy or just getting started with online banking, you'll find navigating through your accounts a breeze. With real-time account management at your fingertips, staying on top of your finances has never been easier. Join us at Guardian today and experience the convenience of modern banking tailored for you!

Key Services

Our online banking services are not just convenient; they are also secure. You can easily sign documents with electronic signature authorization, making transactions quicker without compromising safety. Plus, with e-statements available, you can go green while keeping track of your finances in an organized manner. Managing money on the go is effortless with our mobile application. It enables mobile payments, allowing you to make purchases directly from your phone. Whether you're shopping at a store or sending money to a friend, our person-to-person transfer feature ensures that your transactions are simple and immediate.

Financial Strength

At Guardian, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We are dedicated to maintaining a strong financial foundation, ensuring that you can trust us with your hard-earned money. 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. 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. 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. Our operational efficiency is reflected in our $0, 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. Net Shares (Funds available for lending and investments): $911,982. Total Share and Deposit Accounts: 187,611, showing a strong and growing member base that trusts us with their finances. 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 418 Madison Ave Montgomery Al 36104 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.

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 provide flexible terms and refinancing options to ensure you find a plan that fits your budget.

Business Loans

For business owners, our outstanding commercial loans totaling $4,281,812 provide the capital needed to grow and expand. We understand the challenges small businesses face and are committed to offering tailored solutions that work for you. If you're interested in any of these products or want more information on eligibility and refinancing options available at Guardian, please don't hesitate to reach out to us at 334-244-9999. Remember, 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 your next steps toward financial success!

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 can guide you through the process from start to finish so that you feel confident every step of the way.

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. This option allows for better control over spending while providing a safety net for emergencies.

Loan Aggregator

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Guardian