Guardian Credit Union Montgomery AL | Top Checking & Mortgage Loans

Introduction

Welcome to Guardian at Federal, your trusted financial partner located at 1789 Cong W L Dickinson Dr, Montgomery, AL 36109. Established in 1958, we have grown into a strong community-focused credit union with a commitment to providing exceptional services to our 91,870 members. At Guardian, we understand that your financial well-being is paramount, which is why we offer a wide range of products designed to meet your unique needs from personal banking and auto loans to business services. With total assets exceeding $1,069,091,358 and total deposits of $69,305,389, our stability allows us to serve you better. We pride ourselves on being an integral part of the Montgomery community while ensuring that our members feel valued and supported. Our CEO, Heath Harrell, along with Board President Scott Kramer, leads our dedicated team of 268 employees, all focused on helping you achieve your financial goals. While members can visit us at our branch for face-to-face service and support, official correspondence should be sent to our mailing address at 418 Madison Ave, Montgomery, AL 36104. At Guardian, we believe in transparency and accessibility. With over 63,785 loans under management and a net worth of $96,180,903, you can trust us to handle your finances responsibly. Our drive-thru service and ATM availability make it easier than ever for you to access your funds when you need them most. Ready to take the next step in your financial journey? Don't hesitate to reach out! Call us today at 334-244-9999 or visit our website at myguardiancu.com. Let Guardian be your partner in achieving financial success!

Branch History & Mission

Call to Action

As we continue on this journey together, we invite you to join Guardian Credit Union. Experience the benefits of being part of a cooperative that genuinely cares about your financial well-being and community growth. Visit us today or give us a call at 334-244-9999 to learn more about how we can help you achieve your financial goals!

Commitment to Community

Our dedication extends beyond banking; we are invested in creating positive change in Montgomery. Through various partnerships and outreach programs, we work tirelessly to give back to the community that supports us. Whether it's sponsoring local events or offering financial education workshops, we aim to uplift those around us.

Our Mission

At Guardian Credit Union, our mission goes beyond providing exceptional financial services. We strive to empower our members through education, transparency, and personalized care. Our goal is to foster financial wellness while being actively involved in community outreach and support initiatives. We believe that when one member succeeds, the entire community thrives. We offer a range of services tailored to meet the diverse needs of our members, including checking and savings accounts, auto loans, mortgage loans, personal loans, credit cards with rewards, and business banking solutions. With convenient online and mobile banking options available, managing your finances has never been easier. While members can visit us at 1789 Cong W L Dickinson Dr Montgomery Al 36109, official correspondence should be sent to 418 Madison Ave, Montgomery, AL 36104.

Branch Location & Accessibility

Easy Access and Parking

Our Montgomery branch features ample parking right outside, ensuring a hassle-free experience when you come in for your banking needs. We also prioritize accessibility, with ADA-compliant entrances and ramps available for those who may require additional support.

Friendly Banking Hours

We understand that your time is valuable. That's why our lobby hours are designed to fit your busy schedule: we're open Monday through Thursday from 8:30 AM to 4:30 PM and on Fridays until 5:00 PM. If you're looking for quick service, take advantage of our drive-thru banking, available Monday through Thursday from 8:00 AM to 5:00 PM and on Fridays until 5:30 PM. Unfortunately, we are closed on Saturdays.

Get In Touch!

Have questions? Feel free to reach out by calling us at 334-244-9999. We're excited to welcome you into our branch soon! Stop by and discover how we can help make your financial journey easier.

Services Tailored for You

At Guardian Credit Union, we offer a range of personal and business banking services to meet your needs. Whether you're interested in checking and savings accounts, auto loans, or mortgage refinancing, our knowledgeable staff is here to assist you. Plus, with ATM availability right at our location and drive-thru options for deposits and withdrawals, banking has never been more convenient!

Member Eligibility

At Guardian, we believe that everyone deserves a chance to belong to a financial community that truly cares. Becoming a member is easy and open to anyone who lives, works, or attends school in our local area. We welcome individuals from all walks of life, making it simple for you to join us at our location on 1789 Cong W L Dickinson Dr Montgomery Al 36109. With membership, you gain access to a range of benefits like personalized banking services and competitive loan options designed just for you. If you're curious about the specific eligibility criteria or want to explore how to open your account, feel free to visit us online at . You can also give us a call at (334) 244-9999 if you have any questions. We look forward to welcoming you into our family at Guardian!

Business Banking & Commercial Services

Commercial Loans

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

Imagine being able to accept payments from customers effortlessly, whether they pay with a card or through mobile options. Our merchant services simplify transactions and help you manage sales more effectively. With easy access to funds and quick reporting tools, you'll spend less time worrying about payments and more time focusing on what matters most growing your business. Located at 1789 Cong W L Dickinson Dr Montgomery Al 36109, Montgomery, AL 36109, we invite you to explore how our tailored solutions can help your business thrive. For more information, call us at (334) 244-9999 or visit us online at https://www.myguardiancu.com/.

Comprehensive List Of Services

ATM & Drive-Thru Services

Need cash in a hurry? Our ATM service provides quick access for withdrawals and balance checks without stepping inside the branch. Additionally, our drive-thru banking allows for simple transactions like deposits and withdrawals without leaving your vehicle perfect for busy days when every minute counts. At Guardian, we strive to create an environment where financial wellness is attainable for everyone. We invite you to visit us at 1789 Cong W L Dickinson Dr Montgomery Al 36109 in Montgomery, AL or give us a call at (334) 244-9999 to learn more about how we can assist you with all your financial needs. Let's work together towards a brighter financial future!

Business Banking

For our entrepreneurial members, we provide business banking solutions including merchant services and business loans. These services are designed to help local businesses thrive by simplifying transactions and providing access to funds when they need it.

Credit Solutions

We know that life can sometimes throw unexpected challenges your way. That's why we offer personal loans and debt consolidation options, helping you regain control of your finances when needed most. Plus, our credit cards come with rewards that make everyday purchases more rewarding. Imagine earning cash back or points for travel just by using your card for regular expenses!

Digital Banking Features

In today's fast-paced world, convenience is key. Our online and mobile banking services allow you to manage your accounts anytime, anywhere. You can check balances, transfer funds, pay bills, and even send money to friends or family through our person-to-person payment service all from the comfort of your home or on the go.

Personal Banking

Our personal banking services are designed with you in mind. With options like checking and savings accounts, you can easily manage your money while earning interest on your savings. We also offer auto loans and vehicle financing to help you get behind the wheel of that car you've been dreaming about. If you're considering buying a home or refinancing an existing mortgage, our mortgage loans can provide the support you need during this important milestone.

Digital & Online Banking

Key Features

With our user-friendly online banking, you can effortlessly check your account balances, view transaction history, and transfer funds anytime, anywhere. If you need to send money to friends or family, our person-to-person transfer feature makes it quick and simple. Plus, you can enjoy the convenience of mobile payments, allowing you to pay for purchases right from your smartphone. Security is a top priority for us at Guardian. We utilize electronic signature authorization, ensuring that your transactions are safe and secure. You can also opt for e-statements, which not only reduce paper clutter but also give you immediate access to your financial information.

Mobile Application

Our mobile application offers all these features at your fingertips. Download it today to manage your accounts on the go! With just a few taps, you can pay bills, deposit checks, and keep track of your spending habits all while enjoying the peace of mind that comes with our security measures. At Guardian, we're committed to providing accessible and easy-to-use banking solutions that fit into your lifestyle. Experience the convenience of modern banking with us!

Financial Strength

Commitment to 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. Our commitment is reflected in our capacity to support your financial goals with $24,222 in used auto loans and $857,470,944 in total loans and leases.

Growing Member Base

With a total of 187,611 share accounts, it's clear that many trust us with their finances. This growth reflects the confidence our community has in Guardian, making us a reliable partner in your financial journey. 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 1789 Cong W L Dickinson Dr Montgomery Al 36109 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 Options

Your 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.

Operational Efficiency

Our operational efficiency is highlighted by 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.

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. We provide competitive terms that can fit your budget, whether you are financing a brand-new model or a reliable used vehicle.

Business Financing

For business owners, our outstanding commercial loans totaling $4,281,812 provide the capital needed to grow and expand. We work closely with local businesses to understand their unique needs and create financing solutions that support their growth ambitions. At Guardian, we pride ourselves on transparency and commitment to our members. For more information on how we can assist you with your financial needs or to learn about refinancing options available for our products, feel free to reach out 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 partner with you on your financial journey today!

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 offer various mortgage plans designed to cater to different financial situations. Plus, if you're interested in refinancing your current mortgage, our team can assist you in exploring eligibility options that might save you money.

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 is perfect for those looking to consolidate debt or cover unexpected expenses without putting their assets at risk.

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. This tool allows users to easily evaluate their options and make informed choices without the hassle of searching through multiple sources. LendMesh ensures accurate loan comparisons by sourcing data 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 commitment to compliance guarantees that all offers are fair and transparent. Users can trust that the information they receive is reliable and up-to-date. One of the standout features of LendMesh is its dedication to verified data. Loan offers are sourced from legitimate financial institutions, ensuring transparency at every step. Additionally, LendMesh does not prioritize lenders based on paid promotions there are no sponsored listings. This means users receive unbiased results tailored to their specific needs. Real-time rate comparisons from multiple institutions allow users to stay informed about current market trends. This feature helps borrowers understand their options better and find loans that suit their financial situation. Thousands of users trust LendMesh for loan comparisons. One member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" Testimonials like these highlight the effectiveness of LendMesh as a valuable resource for anyone looking to secure a loan. 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