Guardian Credit Union Wetumpka AL | Low Mortgage Rates & Auto Loans

Introduction

Welcome to Guardian, your trusted financial partner located at 102 Captain Crommelin Dr, Wetumpka, AL 36092. Since opening our doors in 1958, we have been dedicated to empowering our community and providing exceptional banking services tailored for you. With a strong membership of 91,870 individuals and a commitment to fostering financial well-being, we invite you to explore how we can support your personal and business goals. At Guardian, we pride ourselves on our robust financial foundation, boasting total assets of over $1.06 billion and total deposits of $69,305,389. Our expert team is here to help you navigate everything from auto loans and mortgages to credit cards with rewards. With a diverse range of products designed for both personal and business banking needs, we strive to ensure every member feels valued and supported. Led by our CEO, Heath Harrell, and Board President Scott Kramer, we emphasize community engagement and relationship-building as the cornerstone of our service approach. Our staff of 268 employees is passionate about helping you achieve your financial dreams while maintaining a net worth of $96,180,903. While members can visit us at our branch location, official correspondence should be sent to the same address: 102 Captain Crommelin Dr, Wetumpka, AL 36092. If you have any questions or need assistance, feel free to give us a call at 334-244-9999 or visit our website at myguardiancu.com. We are excited to serve you! Come discover the Guardian difference today!

Branch History & Mission

Our Mission

At Guardian Credit Union, our mission is clear: to empower our members through comprehensive financial solutions that enhance their lives. We believe that banking should be accessible and straightforward. That's why we prioritize customer-centric initiatives such as online and mobile banking services, ensuring that managing finances is as easy as possible for everyone. Moreover, we are dedicated to making a positive impact on our community. Through various outreach programs and partnerships with local organizations, we strive to uplift those around us and contribute to the betterment of Wetumpka and beyond. While members can visit us at 102 Captain Crommelin Dr for all their banking needs, official correspondence should be sent to the same address. Our branch operates Monday through Thursday from 8:30 AM to 4:30 PM and on Fridays until 5:00 PM. For those who prefer drive-thru services, we open earlier at 8:00 AM on weekdays. We understand that convenience matters. That's why we offer ATM access for quick withdrawals and balance checks, along with basic drive-thru banking for deposits and simple transactions. As we look toward the future, Guardian Credit Union remains steadfast in our commitment to providing exceptional financial services while fostering a strong sense of community. Join us today and experience the benefits of being part of an organization that truly cares about its members! Whether you are looking for your first loan or seeking advice on managing your finances better, we are here for you every step of the way. Feel free to reach out at 334-244-9999 or visit us online at Guardian Credit Union for more information on how we can assist you!

Branch Location & Accessibility

Welcome to Guardian Credit Union, your friendly financial partner located at 102 Captain Crommelin Dr in beautiful Wetumpka, Alabama. Nestled in the heart of Elmore County, our branch is easily accessible and designed to cater to all your banking needs. Whether you're driving by or visiting from nearby landmarks like Wetumpka High School or the picturesque Coosa River, you'll find us conveniently situated for your banking convenience. While members can visit us at our branch address, official correspondence should be sent to the same location: 102 Captain Crommelin Dr, Wetumpka, AL 36092. Our branch is committed to providing a welcoming atmosphere with ample parking available right outside. We take accessibility seriously; our facility is ADA-compliant, featuring ramps and other accommodations to ensure everyone can enjoy our services comfortably. Our operating hours are designed with your schedule in mind. Visit us Monday through Thursday from 8:30 AM to 4:30 PM and on Fridays until 5:00 PM. If you prefer drive-thru banking for quick transactions, we're open from 8:00 AM to 5:00 PM on weekdays and until 5:30 PM on Fridays. Please note that we are closed on Saturdays. At Guardian, we offer a variety of services tailored for personal and business banking. You can open checking and savings accounts, apply for auto loans or mortgages, and even manage credit cards all under one roof! Plus, with our ATM available onsite, you can easily access cash whenever you need it. If you have any questions or would like to learn more about how we can help you reach your financial goals, feel free to give us a call at 334-244-9999. We invite you to come visit us today your journey towards better banking starts here!

Member Eligibility

Becoming a member of Guardian is like joining a family that truly cares about your financial well-being. If you live, work, or worship in our community, or if you have a family member who is already a member, you're likely eligible to join us! We welcome individuals from all walks of life and are here to help you navigate your financial journey with personalized services tailored to your needs. Membership at Guardian means access to competitive rates on loans, convenient banking options, and a supportive environment where your voice matters. To get started, simply visit us at our branch located at 102 Captain Crommelin Dr Wetumpka Al 36092, or give us a call at (334) 244-9999 for any questions you may have. For more detailed information on eligibility requirements, feel free to check out our website at . Joining us is easy and inclusive let's embark on this journey together!

Business Banking & Commercial Services

Business 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.

Merchant Services

Imagine being able to accept payments quickly and easily while providing a seamless experience for your customers. Our merchant services make this possible. With tools that help you manage transactions efficiently, you can focus on what truly matters growing your business. If you're ready to take your business to the next level or just need some guidance, visit us at 102 Captain Crommelin Dr Wetumpka Al 36092 in Wetumpka, AL. Let's work together to achieve your business goals!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Convenience is key in today's fast-paced world. With our ATM services, you can withdraw cash or check balances whenever it suits you. Our branch also features basic drive-thru banking for quick deposits and withdrawals without leaving your car. To learn more about how Guardian can assist you with these services or any other financial needs, please reach out at (334) 244-9999 or visit us online at Wetumpka. We're here to help guide you on your financial journey!

Auto Loans & Vehicle Financing

If you're dreaming of a new car or need reliable transportation, our auto loans and vehicle financing options are designed to make the process smooth and straightforward. We offer competitive rates that can fit your budget, helping you get behind the wheel without the stress.

Business Banking

At Guardian, we also understand the needs of local businesses. Our business banking services, including merchant services and business loans, are here to support your entrepreneurial journey. Whether you're just starting out or looking to expand, we can provide the financial backing you need.

Credit Cards with Rewards

For those who enjoy rewarding experiences, our credit cards come with exciting rewards programs. Use them for everyday purchases and watch as points accumulate toward travel, merchandise, or cash back. It's an easy way to earn while you spend!

Mortgage Loans & Refinancing

Buying a home is one of life's biggest milestones. Our mortgage loans provide flexible terms and personalized guidance throughout the buying process. Already have a mortgage? Consider our refinancing options to potentially lower your monthly payments or access cash for other needs.

Personal Banking

Our personal banking services include checking and savings accounts that cater to every lifestyle. Imagine effortlessly managing your day-to-day expenses while building your savings. With our online and mobile banking options, you can check balances, pay bills, and transfer money anytime, anywhere.

Personal Loans & Debt Consolidation

Life can throw unexpected expenses your way. Our personal loans offer a solution when you need extra funds for emergencies or large purchases. Additionally, if you're looking to simplify your finances, our debt consolidation services can help combine multiple debts into one manageable payment.

Digital & Online Banking

Key Features

Security is a top priority for us at Guardian. Our electronic signature authorization feature allows you to sign documents securely online, making transactions quicker and easier without sacrificing safety. You can also opt for e-statements, reducing paper clutter while keeping your financial information organized and accessible. Need to make a quick payment? Our mobile payments feature lets you pay directly from your smartphone, adding another layer of convenience. And with our dedicated mobile application available for download, managing your accounts has never been easier. You can even send money to friends and family with our person-to-person transfer service no need for cash or checks. In today's fast-paced world, having real-time access to your finances is essential. At Guardian, we're committed to providing you with the tools you need to manage your money effectively and efficiently. Embrace the future of banking with us your financial journey just got a whole lot easier!

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 committed to maintaining a strong foundation that allows us to serve you effectively. 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. Additionally, with $83,196,610 in undivided earnings, we reinvest in innovative banking tools and stronger lending options to serve our members better. Our lending capacity supports your financial goals across various sectors with $24,222 in used auto loans and $857,470,944 in total loans and leases. Though our net income is currently $0, this reflects our commitment to operational efficiency while ensuring continued service quality. 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) total $911,982, while our robust member base is reflected in the 187,611 share accounts we maintain. This trust from our members highlights the reliability of Guardian, which has been proudly serving the Wetumpka community since its inception. 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 102 Captain Crommelin Dr Wetumpka Al 36092 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. Whether you're considering a brand-new model or a reliable pre-owned vehicle, our flexible terms make it easy to drive away with the right financing.

Business Financing

If you're a business owner, our outstanding commercial loans totaling $4,281,812 provide the capital needed to grow and expand. We understand the unique challenges faced by small businesses and are here to support your journey toward success.

Credit Lines and Unsecured Loans

For those who need extra flexibility, we provide total credit lines amounting to $315,323,650. Additionally, 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 options can help cover unexpected expenses or consolidate existing debt without the hassle.

Mortgage Options

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 competitive rates and personalized service to guide you through the entire process, ensuring that you feel confident every step of the way.

Refinancing Options

We also provide refinancing options across our loan products. If you're looking to lower your interest rates or reduce monthly payments, our team can help assess your eligibility and find solutions tailored to your financial situation. At Guardian, we're dedicated to providing transparent and accessible financial solutions for all our members. For more information on any of these products or to explore how we can assist you further, don't hesitate to reach out at (334) 244-9999 or visit us at 102 Captain Crommelin Dr Wetumpka Al 36092 in Wetumpka, AL. 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 Aggregator

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Ensuring Accurate Comparisons

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Guardian