Guardians Credit Union Miami FL | Best Auto Loans & Business Banking

Introduction

Welcome to Guardians, your trusted financial partner located at 1902 NW 14th Ave, Miami, FL 33125. Since our establishment in 1991, we have been dedicated to serving our vibrant community with a wide range of financial services tailored to meet the needs of our 36,807 members. As a member-focused credit union, we prioritize your financial well-being and strive to provide personalized banking solutions that empower you to achieve your goals. With total assets of $297,358,660 and total deposits reaching $46,850,506, we have built a solid foundation that supports our commitment to you. Our experienced team, led by CEO Steven Bosack and Board President Herbert Kahlert, is here to help you navigate your financial journey. Whether you're looking for auto loans, mortgage refinancing, or personal banking services, we are equipped with the resources and expertise to assist you. While members can visit us at our branch location in Miami, official correspondence should be sent to the same address: 1902 NW 14 Avenue, Miami, FL 33125. We are proud of our robust offerings, which include over 13,519 loans and leases available for our members. Our net worth stands strong at $40,477,021, ensuring the stability and reliability you deserve in a financial institution. At Guardians Credit Union, we believe in making a positive impact on our community. We understand that every member's story is unique, and we're committed to providing not just financial services but also support and guidance every step of the way. Ready to take control of your financial future? Call us today at 305-545-0744 or visit our website at Guardians Credit Union for more information on how we can help you succeed!

Branch History & Mission

Commitment to Service

As we look to the future, we continue to embrace advancements in technology while maintaining a personal touch. Although we currently do not offer ATM or drive-thru services at this branch, our online banking platform allows members to manage their finances easily from anywhere. Our operating hours from Monday through Friday ensure that we are available to assist you during the week. While members can visit us at 1902 Nw 14Th Ave Miami Fl 33125, official correspondence should be sent to 1902 NW 14 Avenue, Miami, FL 33125. For inquiries or assistance, feel free to contact us at (305) 545-0744. In closing, we invite you to join the Guardians family. Experience firsthand the benefits of being part of a community-focused credit union that prioritizes your financial well-being. Together, let's build a brighter future for ourselves and our neighborhoods! Visit us online at Guardians Credit Union or apply for membership here.

Community Focus

Guardians is more than just a credit union; we are an integral part of the Miami community. We believe that when our members thrive, so does the community around us. Our mission statement reflects this belief: "To empower our members with the tools and resources they need to achieve financial wellness." This means not only providing exceptional banking services but also engaging in outreach efforts that uplift those around us. We take pride in our partnerships with local organizations and charities that align with our values. Through these collaborations, we aim to make a positive impact by supporting education initiatives, health programs, and other vital community needs.

Branch Location & Accessibility

Call to Action

We invite you to visit us today! Experience the friendly atmosphere at Guardians where our knowledgeable staff is ready to assist you with all your financial needs. If you prefer a chat before visiting, don't hesitate to call us at 305-545-0744. Your financial journey starts here!

Convenient Location

Our branch is situated near well-known landmarks like the Miami International Airport and the bustling Little Havana area, making it a central spot for both locals and visitors alike. Ample parking is available for our members, ensuring you can stop by without hassle. We are proud to be ADA compliant, with features like ramps that make our services accessible to everyone.

Operating Hours

We understand that life can be busy. That's why our lobby hours are designed to accommodate your schedule. Visit us Monday through Wednesday from 8 AM to 3 PM, and on Thursday and Friday from 8 AM to 4 PM. Please note that we are closed on weekends. If you have any questions or need assistance outside of these hours, feel free to give us a call at 305-545-0744.

Services Offered

At Guardians, we offer a wide range of services tailored just for you. From checking and savings accounts to auto loans and credit cards with rewards, we've got you covered. While we do not have ATM or drive-thru services at this location, we do provide shared service center transactions, allowing you to perform basic deposits and withdrawals if you're a member of one of our partner credit unions. While members can visit us at 1902 NW 14th Ave for all their banking needs, official correspondence should be sent to the same address for consistency.

Member Eligibility

Joining the Guardians family is like stepping into a community that truly cares about your financial well-being. At our branch located at 1902 Nw 14Th Ave, Miami, FL 33125, we welcome individuals who live, work, worship, or attend school in the area. If you're part of these communities, you're already on your way to becoming a valued member! Our mission is to provide you with personalized financial services that cater to your unique needs, helping you achieve your goals while enjoying the perks of membership. The process of becoming a member is straightforward and inviting. You can easily open an account online by visiting this link. If you have questions or need assistance along the way, feel free to reach out to us at 305-545-0744. We're here for you! For more detailed eligibility criteria, check out our resource page at Guardians Credit Union Eligibility. Join us today and experience the benefits of being part of something special!

Business Banking & Commercial Services

Merchant Services that Matter

Imagine having the ability to accept payments effortlessly while managing your cash flow efficiently. Our merchant services provide just that. By simplifying transactions and offering real-time insights into sales, you can focus more on what really matters growing your business. Located conveniently at 1902 Nw 14Th Ave Miami Fl 33125, Miami, FL 33125, we're ready to partner with you on this exciting journey. Reach out to us today at (305) 545-0744 or visit our website at https://www.guardianscu.coop/ for more information!

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

ATM & Cash Withdrawal Services

While we currently do not have ATMs on-site, our members can access cash through various partner networks easily. Enjoy basic shared branch transactions such as deposits and withdrawals if you're also a member of partner credit unions. At Guardians, our goal is simple: to empower our members with the tools they need for financial success. For more information about any of our services or to speak with a representative, call us at 305-545-0744 or visit us online at Guardians. We look forward to serving you!

Auto Loans & Vehicle Financing

Need a new car? We provide Auto Loans and Vehicle Financing tailored to fit your budget. Picture driving off in that new vehicle you've been eyeing without the stress of high-interest rates. Our team is here to help you navigate financing options that suit your situation.

Business Banking

For small business owners, we offer comprehensive Business Banking services, including Merchant Services and Business Loans. We know running a business is no small feat; let us help you manage your finances effectively so you can focus on what matters most growing your business.

Credit Cards with Rewards

Don't forget about our Credit Cards with Rewards! Use them for everyday purchases and earn points that can be redeemed for exciting rewards. It's like getting paid back just for spending!

Digital Banking Features

In today's fast-paced world, convenience is key. That's why we offer robust Online and Mobile Banking services, allowing you to manage your accounts anytime, anywhere. Whether you want to check your balance or transfer funds between accounts, it's all just a click away.

Mortgage Loans & Refinancing

Thinking about buying a home? Our Mortgage Loans and Refinancing services can guide you through the process from start to finish. We understand that purchasing a home is a significant investment, so we aim to make this journey as smooth as possible.

Personal Banking

When it comes to personal banking, we offer a variety of options that cater to different lifestyles and goals. Our Checking and Savings Accounts make managing your finances easy and convenient. Imagine having the flexibility to withdraw cash when you need it while also saving for future goals all in one place!

Personal Loans & Debt Consolidation

If you're dealing with multiple debts, our Personal Loans and Debt Consolidation options could be just what you need. This service allows you to combine your existing loans into one manageable payment, freeing up time and reducing stress.

Digital & Online Banking

Accessibility and Security

Security is our top priority. Our online banking system utilizes advanced encryption technology to ensure that your personal information stays safe. You can bank with peace of mind knowing that your data is protected every step of the way. In summary, Guardians makes it easy for members to stay connected with their finances through reliable digital and online banking solutions. With features like e-statements and round-the-clock access, managing your money has never been more convenient! If you're ready to take control of your banking experience, visit us at https://www.guardianscu.coop/ today!

Key Features

One of the standout features is our availability of e-statements. Instead of waiting for paper statements in the mail, you can receive your account statements electronically saving trees and giving you instant access to your financial information. While we currently do not support electronic signature authorization or mobile payment options, our focus remains on providing secure and straightforward services. Our online banking platform is user-friendly, allowing you to manage your accounts with ease. Unfortunately, we do not yet have a dedicated mobile application or person-to-person transfer feature, but our website is optimized for mobile use so you can still perform essential banking tasks on-the-go.

Financial Strength

At Guardians, 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 pride ourselves on maintaining a robust financial foundation that allows us to serve you with confidence. 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. Our net worth ratio of $1,361 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 $27,878,996 in share certificates and $31,023,908 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $34,585,662 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our commitment to supporting your financial goals is reflected in our lending capacity: we have $3,084 in used auto loans and $220,822,537 in total loans and leases available for our members. Our operational efficiency shines through with a net income of $2,803,202, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 91 full-time employees and 7 part-time employees ready to assist you with their expertise. Net Shares (Funds available for lending and investments): $669,227. Total Share and Deposit Accounts: 87,952, 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, Guardians is your trusted partner. Visit us at 1902 Nw 14Th Ave Miami Fl 33125 or call (305) 545-0744 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 $56,022,939 in used vehicle loans and $22,540,204 in new vehicle loans already helping members get on the road. We make it simple to finance your next vehicle purchase with flexible terms and competitive interest rates.

Business Financing

For business owners, our outstanding commercial loans totaling $3,483,300 provide the capital needed to grow and expand. We understand that running a business comes with its own set of challenges and are here to support you with financial products designed for success. Additionally, if you're considering refinancing any existing loans or exploring eligibility options for our products, we encourage you to reach out to us. Our team is ready to assist you in finding the right solution tailored to your financial needs. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. At Guardians, we believe that everyone deserves access to affordable financing options that empower them to thrive financially.

Mortgage Loans

Thinking about homeownership? Our mortgage options include Junior Lien 1-4 Family Residential Properties loans totaling $29,938,372, making buying or refinancing straightforward. We offer various refinancing options as well to help you get the best possible deal for your situation.

Unsecured Credit Card Loans

We also provide flexible terms on unsecured credit card loans, with a total of $11,415,688 in loans helping members manage their finances effectively. Whether you need to consolidate debt or cover unexpected expenses, our credit card solutions can help you stay on track.

Loan Aggregator

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Guardians