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

Introduction

Welcome to Guardian at Cobbs Ford, where our mission is to empower our community through reliable financial services. Established in 1958, we have been serving the residents of Prattville, AL, with dedication and care for over six decades. Our branch, located at 1794 E Main St, Prattville, AL 36066, is your trusted partner for all things banking. Whether you're looking for personal banking solutions or business financing options, we are here to help you achieve your financial goals. At Guardian, we take pride in our strong commitment to our members, currently numbering over 91,870. With total assets exceeding $1 billion specifically $1,069,091,358 and robust financial health reflected in a net worth of $96,180,903, we offer peace of mind alongside competitive rates and personalized service. Our total deposits stand at $69,305,389, showcasing the trust our members place in us. Our experienced team of 268 employees is led by CEO Heath Harrell and Board President Scott Kramer, both dedicated to ensuring a supportive and responsive environment for our members. If you need assistance or have any questions about our services including checking and savings accounts, auto loans, mortgages, and business loans feel free to reach out to us at 334-244-9999. While members can visit us at our branch location, official correspondence should be sent to the same address: 1794 E Main St, Prattville, AL 36066-5582. We invite you to explore all that Guardian has to offer by visiting our website at myguardiancu.com or stopping by in person. Your financial journey starts here let's build a brighter future together!

Branch History & Mission

At Guardian Credit Union, we take great pride in our rich history and unwavering commitment to our community. Established in 1958, our Prattville branch has been a cornerstone of financial support for nearly 65 years. Located at 1794 E Main St, Prattville, AL 36066, we are dedicated to serving our members with personalized banking solutions that cater to their unique needs. Over the decades, Guardian has grown significantly, now boasting a total membership of 91,870 and assets exceeding $1,069,091,358. This growth reflects not just our success as a financial institution but also the trust and loyalty of our members. Our mission is simple yet profound: to empower individuals and families through reliable financial services while fostering a sense of community. We believe that banking should be accessible and straightforward. That's why we offer a range of services from personal checking accounts to auto loans and mortgage financing all designed with our members in mind. We also understand the importance of convenience; therefore, our branch features an ATM and drive-thru service for quick transactions without the need to step inside. Our commitment to community goes beyond just providing financial services. We actively engage in outreach programs and partnerships that uplift local initiatives. Whether it's supporting educational programs or participating in local events, we strive to make a positive impact on the lives of those around us. In addition to traditional banking services, we have embraced technology to enhance your experience. With online and mobile banking options available, you can manage your finances anytime, anywhere because we know life can get busy! While members can visit us at 1794 E Main St, official correspondence should be sent to 1794 E Main St, Prattville, AL 36066-5582 if different from the branch address. Our team is here for you during our operating hours: Monday through Thursday from 8:30 AM to 4:30 PM, Friday from 8:30 AM to 5:00 PM, and Saturday from 9:00 AM to 12:00 PM. If you have any questions or would like more information about becoming a member, feel free to call us at 334-244-9999. Join Guardian Credit Union today and experience the benefits of being part of a community-focused credit union that truly cares about your financial well-being!

Branch Location & Accessibility

Accessibility and Services

At Guardian Credit Union, we pride ourselves on being accessible to everyone. Our branch is ADA compliant and features ramps for easy entry. You'll find our friendly staff ready to assist you with a range of services including checking and savings accounts, auto loans, mortgages, and credit cards with rewards. 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 Fridays until 5:00 PM. If you prefer the convenience of drive-thru banking, we offer extended hours on Fridays until 5:30 PM and Saturdays from 9:00 AM to 12:00 PM.

Get in Touch

Need cash? No problem! We have an ATM available for quick withdrawals and balance checks. Additionally, if you're a member of a partner credit union, you can benefit from shared services right here at our location. If you have any questions or want more information about how we can serve you better, don't hesitate to reach out! Call us at 334-244-9999 or stop by today our team is eager to assist you with all your financial needs. Come see why so many choose Guardian Credit Union as their trusted banking partner!

Member Eligibility

Becoming a member of Guardian is like joining a family that truly cares about your financial well-being. If you're looking to enjoy personalized service and community-focused banking, you'll be glad to know that eligibility is quite simple. Typically, anyone who lives, works, or worships in the Prattville area can apply for membership. This means you're not just a number; you're part of our community. For those interested in learning more about specific eligibility requirements, feel free to visit this link for detailed information. Once you're ready to join us at Guardian, opening an account is straightforward and welcoming. We encourage you to reach out with any questions you might have by calling us at (334) 244-9999. Our friendly team is here to guide you through the process, ensuring you feel supported every step of the way. Don't hesitate to come by our location at 1794 E Main St Prattville Al 36066 we can't wait to meet you and help you start your journey with us!

Business Banking & Commercial Services

Merchant Services That Work for You

In addition to loans, we offer comprehensive merchant services that simplify payment processing for your business. From credit card transactions to online payment solutions, our services ensure you can focus on what matters most growing your business. Picture this: your customers can easily pay with their preferred methods while you enjoy faster transactions and reduced overhead costs. Visit us at 1794 E Main St Prattville Al 36066 in Prattville, AL or call us at (334) 244-9999 to learn more about how Guardian can help your business thrive!

Tailored Business 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. Imagine having the capital you need to purchase new equipment or expand your workforce. With our member-focused approach, we provide personalized solutions that can help turn your business goals into reality.

Comprehensive List Of Services

Business Banking

For our local entrepreneurs and small business owners, we provide tailored business banking solutions including merchant services and business loans. Whether you're just starting out or looking to expand, our team is here to support your growth.

Convenient Access

Convenience is key at Guardian. We offer ATM services for cash withdrawals and basic drive-thru banking for quick transactions like deposits and withdrawals. Our shared branch transactions allow members of partner credit unions to access essential services seamlessly.

Credit Solutions

Managing debt can be challenging, but at Guardian, we offer personal loans and debt consolidation services that can help simplify your financial life. Plus, with our credit cards that come with rewards, you can earn while you spend making every purchase more beneficial.

Digital Banking Features

In today's fast-paced world, having access to your accounts anytime is crucial. That's why we prioritize digital banking features that put you in control. With online banking, mobile applications, person-to-person payments, and 24/7 ATM access, managing your money has never been easier. Whether you're visiting us at our branch located at 1794 E Main St Prattville Al 36066 or reaching out by phone at (334) 244-9999, we invite you to explore how Guardian can assist you in achieving your financial goals. Come see what sets us apart as a trusted partner in your financial journey! Ready to take the next step? Visit us today or check out our website at Cobbs Ford for more information on how we can serve you better!

Personal Banking

For those managing their day-to-day finances, our personal banking services include checking and savings accounts that offer flexibility and accessibility. Imagine being able to easily track your spending and save for that dream vacation all through our user-friendly online and mobile banking platforms. With features like e-statements and mobile payments, you can handle your finances on the go. If you're in the market for a new vehicle or need help with financing, our auto loans and vehicle financing options make it easier than ever to drive away in the car you want. Additionally, if you're considering homeownership, our mortgage loans and refinancing options provide competitive rates and terms tailored to your situation.

Digital & Online Banking

Key Features

We believe in making banking as straightforward as possible. That's why we've integrated features like electronic signature authorization, allowing you to complete transactions securely without the hassle of paperwork. Plus, with e-statements available, you can go green while keeping track of your finances easily and efficiently. If you're always on the move, our mobile application offers all the functionalities you need at your fingertips. You can make person-to-person transfers with ease and take advantage of mobile payments for quick transactions at stores or online. Security remains a top priority; our app includes advanced measures to keep your information safe. At Guardian, we aim to provide an experience that balances accessibility with user-friendly features. Whether you're at home or on the go, managing your finances has never been easier or more secure!

Financial Strength

A Solid Foundation

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.

Growing Together

Total Share Accounts number at 187,611, showcasing 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 1794 E Main St Prattville Al 36066 or call (334) 244-9999 to learn more about how we can help you achieve your financial goals.

Investing 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.

Member-Centric Savings

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.

Operational Efficiency

Our commitment to 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 available for lending and investments stand at $911,982.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans provide 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 offer financing for both new and used vehicles to suit your budget and lifestyle.

Credit Lines

For those looking for more flexible borrowing options, we have credit lines available totaling $315,323,650. This can be an excellent choice for managing cash flow or funding larger purchases when needed.

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing straightforward. We have Junior Lien 1-4 Family Residential Properties loans totaling $23,750,240 available to help you secure your dream home. Our experienced staff can assist you through each step of the mortgage process.

Refinancing Options

If you're considering refinancing any existing loans for better rates or terms, we encourage you to talk to us about your eligibility options. Our team will work with you to find solutions that fit your needs. You can reach us at 334-244-9999 for more information or visit our website at myguardiancu.com to learn more about our loan products. 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 Guardian help you navigate your financial journey with confidence!

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 product provides an easy way to cover unexpected expenses without tying up your savings.

Loan Aggregator

Accurate Loan 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 ensures that users receive fair and transparent offers without hidden fees or misleading terms. By relying on verified data, LendMesh guarantees that the loan options presented are legitimate and trustworthy.

Key Benefits of Using LendMesh

- Verified Data: Loan offers are sourced from legitimate financial institutions, ensuring transparency. - No Sponsored Listings: LendMesh does not prioritize lenders based on paid promotions our goal is to provide unbiased results. - Real-Time Rate Comparisons: Up-to-date loan rates from multiple institutions help users make informed decisions. 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!" This testimonial highlights how effective LendMesh can be for those seeking to optimize their borrowing costs.

Take Action Today

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