Guardians Credit Union Boynton Beach FL | Affordable Auto Loans & Business Banking

Introduction

Welcome to Guardians, your trusted financial partner in the heart of Boynton Beach, Florida! Located at 1301 N Congress Ave, Boynton Beach, FL 33426, we have been serving our community since 1991. With a strong commitment to our members, we proudly support over 36,807 individuals and families with their financial journeys. At Guardians, we believe that banking should be more than just transactions; it's about building relationships. Our dedicated team of 98 employees, led by CEO Steven Bosack and Board President Herbert Kahlert, is here to provide personalized service tailored to your needs. Whether you're looking for a new vehicle loan or planning for your future with a mortgage, we've got you covered. As of now, our total assets stand at an impressive $297,358,660, with total deposits amounting to $46,850,506. We are proud to offer a variety of services including personal banking, business loans, and online banking options all designed to help you achieve your financial goals. While members can visit us at our branch location for all their banking needs, official correspondence should be directed to the same address: 1301 N Congress Ave, Boynton Beach, FL 33426. Join us in making a positive impact within our community! For inquiries or assistance, feel free to call us at 561-686-4006 or explore our website at Guardians Credit Union. Let's embark on this journey together your financial success is just a visit or a call away!

Branch History & Mission

Commitment to Community

Guardians is more than just a financial institution; we are part of the fabric of Boynton Beach and surrounding areas. Our partnerships with local organizations allow us to engage in meaningful outreach efforts that support education, health initiatives, and economic development within our community. We take pride in being a resource for those in need and actively participate in events that foster community spirit. While members can visit us at 1301 N Congress Ave for all their banking needs during our operating hours Monday through Thursday from 8:00 AM to 5:30 PM; Wednesday from 10:00 AM to 5:30 PM; Friday from 7:30 AM to 6:00 PM; and Saturday from 9:00 AM to 12:00 PM official correspondence should be sent to the same address.

Join Us

As we look toward the future, Guardians remains steadfast in its mission to serve you better every day. We invite you to become part of our family and experience firsthand the benefits of being a member at Guardians. Whether you're seeking personal banking services or looking for assistance with loans or credit cards, we're here for you every step of the way. For more information or assistance, please don't hesitate to reach out at (561) 686-4006 or visit us online at GuardiansCU.coop. Together, let's build a brighter financial future!

Our Evolution

Since opening our doors in 1991, Guardians has seen significant growth. Today, our total assets stand at an impressive $297,358,660. This growth reflects not just our success as a credit union but also the trust and loyalty of our members who have been with us on this journey. From humble beginnings, we have expanded our offerings and improved our services over the years, including introducing online banking to ensure that our members can manage their finances conveniently from anywhere. In addition to digital advancements, we prioritize accessibility and convenience for all members. Our drive-thru service allows for quick transactions without leaving your vehicle, and we are proud to offer shared service center availability so you can easily access your accounts even when you're away from home.

Branch Location & Accessibility

Convenient Access and Amenities

At our Boynton Beach location, we prioritize accessibility for all our members. Our branch features ADA-compliant entrances and ramps, ensuring that everyone can enjoy a comfortable visit. Plus, with our drive-thru service, you can handle your banking needs without ever leaving your car. Parking is available right outside the branch, making it hassle-free to pop in for a quick transaction or consultation.

Operating Hours that Fit Your Schedule

We understand that your time is valuable. That's why our operating hours are designed to accommodate your busy lifestyle. You can visit us Monday through Tuesday and Thursday from 8:00 AM to 5:30 PM; on Wednesdays, we're open from 10:00 AM to 5:30 PM; and on Fridays, from 7:30 AM to 6:00 PM. We also welcome you on Saturdays from 9:00 AM to 12:00 PM for those weekend errands.

Wide Range of Services

Guardians offers a variety of services tailored to meet your financial needs. From personal banking options like checking and savings accounts to auto loans and mortgages, we have you covered. Additionally, our shared service center allows members of partner credit unions to easily conduct deposits and withdrawals. While we do not have ATMs at this location, our drive-thru is equipped for basic transactions such as deposits and withdrawals. While members can visit us at 1301 N Congress Ave, official correspondence should be sent to the same address as well. If you have any questions or need assistance, don't hesitate to give us a call at 561-686-4006. We invite you to come by Guardians in Boynton Beach today! Experience the difference of personalized service and community-focused banking. Your financial well-being is our priority!

Member Eligibility

Becoming a member of Guardians feels like joining a close-knit family where your financial well-being is our top priority. Located at 1301 N Congress Ave Boynton Beach Fl 33426, we welcome anyone who lives, works, or worships in the local community to join us. This means that if you share our values of community support and financial empowerment, you're likely eligible for membership! Plus, as a member, you gain access to a range of personalized services designed to help you achieve your financial goals whether it's saving for a dream vacation, purchasing your first home, or simply managing day-to-day expenses. The process to become a member is straightforward and inviting. All you need to do is visit us online at http://www.Guardianscu.coop/apply/ or give us a call at (561) 686-4006 to learn more about how easy it is to get started. If you're curious about specific eligibility criteria, feel free to check out the details at . We're excited to have you join our community and look forward to supporting you on your financial journey!

Business Banking & Commercial Services

Practical Merchant Services

Imagine having tools at your fingertips that streamline transactions and enhance customer experiences. Our merchant services provide just that allowing you to accept payments effortlessly and manage cash flow efficiently. Whether you're selling products or services, we offer solutions that help you focus more on running your business and less on the hassles of payment processing. Located at 1301 N Congress Ave Boynton Beach Fl 33426, Boynton Beach, FL, we're here to partner with you in achieving your business goals. Contact us today at (561) 686-4006 to learn how we can support your journey toward success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $8 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $8 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $3,483,300, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Accessing Your Funds

Need cash? While we currently don't have ATMs directly available, our Basic Drive-Thru Banking service allows for quick deposits and withdrawals right from your car perfect for those busy days when every minute counts. We also facilitate Basic Shared Branch Transactions for members of partner credit unions, making it easier for everyone to access their funds.

Business Banking Services

For local entrepreneurs and businesses, Guardians provides tailored Business Banking solutions. Our Merchant Services allow you to accept payments easily, while our Business Loans give you the financial boost needed to grow your enterprise.

Convenient Digital Banking

Understanding the fast-paced nature of life today, we offer Online & Mobile Banking services that provide flexibility and convenience at your fingertips. Manage your accounts from anywhere at any time! You can access important features like balance inquiries and fund transfers without having to visit us in person.

Get Started Today!

With all these services available at Guardians, located at 1301 N Congress Ave Boynton Beach Fl 33426, we invite you to explore how we can assist you in achieving your financial goals. Whether you're looking for personal banking solutions or business support, we're here for you. If you have questions or want more information about any of our offerings, please don't hesitate to reach out at (561) 686-4006. Join us today and experience the community-focused service that makes Boynton Beach special!

Personal Banking Solutions

Whether you're looking to open a checking or savings account, Guardians has you covered. Our personal banking options include flexible Checking & Savings Accounts designed to help you manage your money effectively. If you're in the market for a new vehicle, consider our Auto Loans & Vehicle Financing options, which can get you on the road quickly and affordably. For those dreaming of homeownership, our Mortgage Loans & Refinancing services make navigating the housing market simpler than ever. We also offer Personal Loans & Debt Consolidation to help you manage unexpected expenses or consolidate debts into a more manageable payment plan. Plus, with our Credit Cards featuring rewards, you can earn while you spend!

Digital & Online Banking

Additional Services

If you're looking to send money easily, our person-to-person transfer feature is not available just yet, but we're constantly working on expanding our services for your convenience. With the ease of online banking from Guardians, managing your finances has never been simpler or more secure. Whether you're at home or on the go, you can take charge of your financial journey with confidence and peace of mind. Visit us today and discover how our digital banking solutions can work for you!

Key Features

Our 24/7 online banking services allow you to check balances, transfer funds, and pay bills with just a few clicks. You won't have to worry about making it to the branch during business hours everything you need is right at your fingertips. Plus, our e-statements are available, giving you a convenient way to keep track of your financial activity without cluttering your mailbox. While electronic signatures are not currently available at Guardians, we prioritize security in every transaction. You can feel safe knowing that your information is protected through advanced security measures. We may not offer mobile payments or a mobile app yet, but we're committed to enhancing your experience with user-friendly online tools.

Financial Strength

A Growing Membership Base

With 87,952 total share accounts, we showcase a strong and growing member base that trusts us with their finances. Our net shares available for lending stand at $669,227, demonstrating our ability to support both existing and new member needs effectively. In conclusion, our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Guardians is your trusted partner. Visit us at 1301 N Congress Ave Boynton Beach Fl 33426 or call (561) 686-4006 to learn more about how we can help you achieve your financial goals.

Commitment to Growth

Our commitment to serving you is evident in our $34,585,662 in undivided earnings. This allows us to reinvest in innovative banking tools, stronger lending options, and enhanced security measures designed to serve our members better. With $3,084 in used auto loans and $220,822,537 in total loans and leases, our lending capacity supports your financial goals across various sectors.

Member Savings and Investments

Your savings are secure with us. We have $27,878,996 in share certificates and $31,023,908 in money market shares, offering you stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members, ensuring that our resources focus on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our $2,803,202, which enables us to continue offering competitive loan rates and solid financial products for you. We also take pride in having 91 full-time employees and 7 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team.

Our Financial Health

With a net worth of $40,477,021, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. This solid foundation is further illustrated by our net worth ratio of $1,361, which ensures that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Additional Lending Options

For those looking for additional funding solutions, we provide various other loan products including personal loans and business financing options. With $9,273,000 available in credit lines, you can have peace of mind knowing that extra funds are accessible when necessary. If you're interested in refinancing any existing loans or need guidance on eligibility for our products, our team is ready to assist you. We prioritize transparency and will ensure you understand all available options so you can make informed decisions. For any questions regarding our loan offerings or to start an application, don't hesitate to reach out! You can contact us at (561) 686-4006, visit us at our branch located at 1301 N Congress Ave Boynton Beach Fl 33426, or explore our services online at Guardians Credit Union. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov , based on the latest results.

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $56,022,939 in used vehicle loans and $22,540,204 in new vehicle loans already helping members get on the road. We provide flexible terms and competitive interest rates that make financing your vehicle easy and affordable.

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $29,938,372, make buying or refinancing simple. We guide you through the process, ensuring you understand every step along the way. Whether you're purchasing a new home or refinancing an existing one, our mortgage specialists are here to assist you.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $11,415,688 in loans helping members manage their finances effectively. These cards are great for everyday purchases and can help build your credit history while providing access to funds when needed.

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. With so many options available, having a reliable tool like LendMesh can save you time and help you make informed decisions. LendMesh ensures accurate loan comparisons through its commitment to data integrity. 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 rigorous sourcing process guarantees that users receive fair and transparent offers. The benefits of using LendMesh are clear: - 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 feedback highlights the effectiveness of the platform in providing valuable insights for potential borrowers. If you're ready to explore your options and find competitive loan rates tailored to your needs, compare real-time loan offers today at LendMesh and discover how much you could save. 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.

GUARDIANS CREDIT UNION