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Georgia Guard Credit Union

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Georgia Guard Credit Union Rates & Review April 2026

Q: Is a member application needed to join Georgia Guard Credit Union?

Yes, to access services at Georgia Guard Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Georgia Guard Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 4, 2026

You can compare Georgia Guard Credit Union rates to other rates in our database, including 12-month share certificate rates currently at 3.34%, 6-month share certificate rates at 1.35% and 3-month share certificate rates at 0.05%. Savings rates are at 0.05% and money market rates are at 0.55%. Mortgage rates on 30-year fixed loans are around 6.13%. All these rates can be compared to Georgia Guard Credit Union rates. MonitorBankRates evaluates the financial stability of Georgia Guard Credit Union with a 1.8 Star Rating, an F Overall Health Grade, and a Texas Ratio of 53.86%. Rates were last updated on 04/04/2026.

Georgia Guard Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Georgia Guard Credit Union? Share your experience about Georgia Guard Credit Union by leaving a review below, or read customer reviews before you decide to use Georgia Guard Credit Union.

Overall Health & Safety Grade

High Risk Health Score: 41/100

MonitorBankRates Rating

1.8

Weak Out of 5.0 Stars

Texas Ratio

53.86%

Weak Higher than avg

Georgia Guard Credit Union
Macon Main Office

1030 Shurling Dr
Macon, GA 31211

Current Rate Availability

We do not have Georgia Guard Credit Union rates right now, but we are constantly updating our database so check back often for updated rates.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Georgia Guard Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Georgia Guard Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Georgia Guard Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Georgia Guard Credit Union

Website

Address 1030 Shurling Dr, Macon, GA 31211

Phone 478-741-4428

Fax 478-741-9502

President Mark Thompson

CEO Joel Franzen

Full-Time Employees 3

Part-Time Employees 0

Branch Locations 2

ATM Locations 0

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

1.8 / 5.0 ★

Overall Health & Safety Grade

F (41/100)

Texas Ratio

53.86%

Return on Assets (ROA)

1.4737%

Return on Equity (ROE)

15.2207%

Non-Performing Loans Ratio (NPL)

7.34%

Total Assets

3,513,173

Total Amount of Shares and Deposits

3,168,773

Total Shares and Deposits < 1 Year

3,055,451

Total Shares and Deposits 1 3 Years

113,322

Total Insured Shares and Deposits > $250K (item 17 less item K)

3,168,773

Total Interest Expense (Sum of items 6 8)

13,143

Share Certificates

Number of Accounts for Share Drafts

244

Number of Accounts for Regular Shares

653

All other shares

Net Income (unless the amount is already included in Undivided Earnings)

51,772

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

623,502

Total Liabilities

3,173,030

Source: NCUA — Last Updated 09/30/2025

Customer Reviews

There are no reviews for Georgia Guard Credit Union yet. Feel free to create one below.

Average Rating

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Total Reviews

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Frequently Asked Questions About Georgia Guard Credit Union

Is Georgia Guard Credit Union a safe place to deposit money?

Yes, Georgia Guard Credit Union is considered a safe financial institution. With a Texas Ratio of 53.858524208936%, the institution's financial health is rated as stable. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does Georgia Guard Credit Union operate?

Georgia Guard Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Georgia Guard Credit Union?

Yes, to access services at Georgia Guard Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Georgia Guard Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Georgia Guard Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Georgia Guard Credit Union offer online and mobile banking?

Most modern institutions like Georgia Guard Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online.