Guardian Credit Union Troy AL | Best Auto Loans & Business Banking

Introduction

Welcome to Guardian Credit Union, your trusted financial partner right here in Troy, Alabama! Located at 1120 Highway 231 S, we've been serving our community since 1958, providing personalized banking solutions that meet the unique needs of our members. With a thriving membership of over 91,870 individuals, we are proud to offer a wide range of services tailored to help you achieve your financial goals. At Guardian, we understand that every member's journey is different. That's why our team of dedicated professionals, led by CEO Heath Harrell and Board President Scott Kramer, is committed to offering support and guidance whenever you need it. Whether you're looking for checking and savings accounts, auto loans, mortgages, or business financing options, we have something for everyone. With total assets exceeding $1,069,091,358 and total deposits around $69,305,389, our financial stability ensures that your money is safe and sound with us. We also maintain a healthy net worth of $96,180,903, allowing us to continue providing competitive rates and exceptional service. Our dedication to our members is reflected in the more than 63,785 loans we've approved helping individuals and families reach their dreams. While members can visit us at our Troy branch for all their banking needs including drive-thru service we also encourage official correspondence to be sent to our mailing address at 1120 Highway 231 S, Troy, AL 36081. We invite you to explore what Guardian Credit Union has to offer! For more information or if you have any questions, don't hesitate to call us at 334-244-9999. Join us today as we work together towards building a brighter financial future! Visit us online at myguardiancu.com.

Branch History & Mission

Welcome to Guardian, where our commitment to the community of Troy, AL has been unwavering since we first opened our doors in 1958. From humble beginnings, we have grown into a trusted financial partner for over 91,870 members, serving their needs with integrity and care. Located at 1120 Highway 231 S Troy Al 36081, right along Highway 231 S, our branch is easy to find and offers a welcoming environment for all. Just down the road from local landmarks, we are proud to be part of this vibrant community that has supported us through the years. Our mission at Guardian is simple yet profound: to empower our members with accessible financial services while fostering a sense of belonging and support within the community. We strive to provide not just banking services but also resources that help individuals and families achieve their financial goals. Whether you're looking for a personal loan, auto financing, or simply a checking account, our dedicated staff is here to assist you every step of the way. In addition to traditional banking services, we embrace technology to enhance your experience. Our online banking platform and mobile app allow you to manage your finances conveniently from anywhere. We also offer ATM services and drive-thru banking for added convenience, ensuring that you can access your funds when you need them most. While members can visit us at 1120 Highway 231 S Troy Al 36081, official correspondence should be sent to 1120 Highway 231 S, Troy, AL 36081 if it differs. Our operating hours reflect our commitment to being available for you: Monday through Thursday from 8:30 AM to 4:30 PM and Friday until 5:00 PM. At Guardian, we believe in giving back. Through partnerships with local organizations and community outreach initiatives, we work hard to make a positive impact in Troy. Our focus on community support is as important as the financial services we provide because we understand that strong communities lead to stronger members. As we continue our journey together, we invite you to join us at Guardian. Experience firsthand how our dedication can make a difference in your life. Reach out today at (334) 244-9999 or visit us online at https://www.myguardiancu.com to discover more about what we can offer you and your family!

Branch Location & Accessibility

Come Visit Us!

Feel free to reach out at 334-244-9999 if you have any questions or need assistance. Our friendly team is here to help! Whether you're a current member or looking to join our community-focused credit union, we invite you to visit us at the Guardian branch in Troy today!

Getting Here and Accessibility

At our Troy location, we prioritize your convenience and accessibility. There's ample parking available right outside the entrance, and we are proud to be ADA compliant, featuring ramps and accessible entrances for everyone. Whether you're visiting us for personal banking needs or to explore our range of loan services, we strive to make your experience smooth and welcoming.

Operating Hours

We understand that life can get busy, which is why our operating hours are designed with you in mind. Visit us Monday through Thursday from 8:30 AM to 4:30 PM and on Fridays from 8:30 AM to 5:00 PM. While we're closed on Saturdays, our drive-thru service is available Monday through Thursday from 8:00 AM to 4:30 PM and Fridays until 5:30 PM for those quick transactions.

Services Offered

Here at Guardian, we offer a variety of financial services tailored to meet your needs. From checking and savings accounts to auto loans, mortgages, and credit cards with rewards there's something for everyone. Plus, enjoy the convenience of online banking, mobile payments, and ATM access all designed to make managing your finances easier than ever.

Member Eligibility

At Guardian, we believe that everyone deserves a chance to be part of our close-knit community. Becoming a member is simple and welcoming! If you live, work, worship, or attend school in the area around 1120 Highway 231 S Troy Al 36081, you're likely eligible to join us. We're here to support you with personal banking services tailored just for our members, including checking and savings accounts, loans, and more. For the latest details on eligibility criteria, feel free to visit our website at . Joining is just the beginning of enjoying great benefits at Guardian. You'll not only gain access to competitive rates and personalized service but also become part of a community that prioritizes your financial well-being. To open an account or learn more about what we offer, give us a call at (334) 244-9999 or simply stop by the branch. We can't wait to welcome you into our family!

Business Banking & Commercial Services

Commercial Loan Options

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 a local café looking to expand its seating area or a contractor needing funds for new equipment. With our flexible financing options, those dreams can become a reality.

Merchant Services

In addition to loans, we offer merchant services designed to simplify your payment processing. Picture this: a busy retail store efficiently handling transactions while offering customers a seamless checkout experience. Our services help you accept various payment methods, making it easier for customers to shop with you. We're here to partner with you on your journey, ensuring your business has the tools it needs to thrive. Connect with us today at (334) 244-9999 or visit us online at https://www.myguardiancu.com to learn more about how we can support your business's financial needs!

Comprehensive List Of Services

Business Banking Solutions

Small business owners will find valuable support with our business banking services. From merchant services that help streamline payments to tailored business loans that fuel growth, we're here to help your business thrive.

Convenient Transactions

For members who prefer face-to-face interaction, our drive-thru banking allows for quick deposits and withdrawals without leaving your car. Additionally, we support basic shared branch transactions for members of partner credit unions making it easier than ever to manage your accounts wherever you are. At Guardian, we're committed to providing comprehensive services designed with you in mind. If you have questions about any service or want personalized advice, feel free to reach out at (334) 244-9999 or visit us during our operating hours: Monday through Thursday from 8:30 AM to 4:30 PM and Friday until 5:00 PM. Let us be part of your financial journey stop by today!

Credit Cards & Rewards

For those who love earning rewards on their purchases, our credit cards with rewards program allows you to benefit from your everyday spending. Whether it's cash back, travel points, or discounts, every swipe can bring you closer to something special.

Digital Banking Features

In today's fast-paced world, having access to your finances anytime is crucial. That's why we offer robust online and mobile banking features. You can check balances, transfer funds, pay bills, and even send money to friends all from the comfort of your home or on the go. Our ATM services provide easy access for cash withdrawals whenever you need them.

Personal Banking

We offer various personal banking options to fit your lifestyle. With our checking and savings accounts, managing your finances has never been simpler. Imagine having a place where your money not only stays safe but grows over time. Our auto loans and vehicle financing make it easy for you to hit the road in a new car without breaking the bank. If you're considering buying a home, our mortgage loans and refinancing options can help turn that dream into reality. We understand that life can throw unexpected expenses your way, which is why our personal loans and debt consolidation services are designed to give you peace of mind.

Digital & Online Banking

Enhanced Accessibility

For those who prefer paperless options, we provide e-statements that let you view your account statements online anytime. It's not only good for the environment but also helps keep your financial records organized and easily accessible. Additionally, if you're on the move and want to make payments instantly, our mobile payments feature allows you to use your smartphone for quick transactions no need for cash or cards! At Guardian, we're dedicated to ensuring that your banking experience is both user-friendly and secure. With these tools at your disposal, managing your finances has never been easier or more efficient. Visit us today at https://www.myguardiancu.com/ to explore all that we offer!

Key Features

Our online banking services are available 24/7, giving you access to your accounts whenever you need it. You can easily check balances, transfer funds, and pay bills all from the comfort of your home or while out and about. Plus, with our mobile application available for download, banking is as simple as tapping your phone screen. If you're looking to send money quickly, our person-to-person transfer feature makes it hassle-free to send cash to friends or family with just a few clicks. And when it comes to security, we've got you covered with electronic signature authorization for a safe and streamlined process.

Financial Strength

Continuous Reinvestment

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 to providing excellent service 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 Trust

With total share accounts reaching 187,611, it's clear that more people are trusting us with their finances. This growing membership base reinforces our commitment to providing exceptional service tailored to your needs. 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 1120 Highway 231 S Troy Al 36081 or call (334) 244-9999 to learn more about how we can help you achieve your financial goals.

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 $0 reflects our operational efficiency, 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.

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.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry. We have already issued $367,248,067 in used vehicle loans and $106,909,452 in new vehicle loans, helping members get on the road with confidence. Whether you're financing a brand-new model or a reliable pre-owned vehicle, our flexible terms can help you find the right fit for 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 businesses face and are committed to supporting local entrepreneurs in reaching their goals. At Guardian, we prioritize transparency and support throughout your borrowing journey. If you're considering refinancing or want to know about eligibility options for any of our loan products, don't hesitate to reach out. You can contact us at (334) 244-9999 for personalized assistance. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. Visit us at 1120 Highway 231 S Troy Al 36081 in Troy, AL, or check out our website for more details on how we can assist you today!

Mortgage Loans

Thinking about homeownership? Our mortgage options make buying or refinancing simple. We offer Junior Lien 1-4 Family Residential Properties loans totaling $23,750,240. Whether you are a first-time buyer or looking to refinance your existing mortgage, our team is here to guide you through the process.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans. With a total of $26,816,839 in loans, our credit cards help members manage their finances effectively while offering rewards and benefits that suit their lifestyles.

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Guardian