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iAdvertiser Disclosure
Advertiser Disclosure
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 Guardian Credit Union Montgomery, AL Rates & Review April 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated: March 28, 2026
Guardian Credit Union Montgomery, AL's Business CDs of Deposit 6 month* rates are at 3.85%, CDs of Deposit 6 month rates are at 3.85%, Business CDs of Deposit 12 month* rates are at 3.80%, CDs of Deposit 12 month rates are at 3.80%, Business CDs of Deposit 18 month* rates are at 3.65%. Guardian Credit Union Montgomery, AL's savings rates are at 0.10%. Guardian Credit Union Montgomery, AL's money market rates are at 1.65%. MonitorBankRates evaluates the financial stability of Guardian Credit Union Montgomery, AL with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 11.42%. Rates were last updated on 03/28/2026. Guardian Credit Union Montgomery, AL 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 Guardian Credit Union Montgomery, AL? Share your experience about Guardian Credit Union Montgomery, AL by leaving a review below, or read customer reviews before you decide to use Guardian Credit Union Montgomery, AL. Guardian Credit Union Montgomery, AL
Guardian Way 1 Guardian Way
https://www.myguardiancu.com Prattville, AL 36066 
Guardian Credit Union Montgomery, AL CD Rates
Guardian Credit Union Montgomery, AL Savings Rates
Guardian Credit Union Montgomery, AL Money Market Rates
Guardian Credit Union Montgomery, AL Checking Rates
Guardian Credit Union Montgomery, AL Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Guardian Credit Union Montgomery, AL 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 Guardian Credit Union Montgomery, AL 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 Guardian Credit Union Montgomery, AL's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Guardian Credit Union Montgomery, AL
Website
https://www.myguardiancu.com
Address
1 Guardian Way,
Prattville, AL 36066
Phone
334-244-9999
Fax
President
Scott Kramer
CEO
Heath Harrell
Full-Time Employees
244
Part-Time Employees
3
Branch Locations
14
ATM Locations
15
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (94/100)
Texas Ratio
11.42%
Return on Assets (ROA)
0.9275%
Return on Equity (ROE)
9.9068%
Non-Performing Loans Ratio (NPL)
1.35%
Total Assets
1,161,135,620
Total Amount of Shares and Deposits
971,135,169
Total Shares and Deposits < 1 Year
684,253,988
Total Shares and Deposits 1 3 Years
252,610,243
Total Shares and Deposits > 3 Years
34,270,938
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
121,643,641
Total Uninsured Shares and Deposits > $250K (F+J)
121,643,641
Total Insured Shares and Deposits > $250K (item 17 less item K)
849,491,528
Total Interest Expense (Sum of items 6 8)
18,817,622
Share Certificates
7,375
Number of Accounts for Share Drafts
63,728
IRA KEOGH Accounts
2,433
Number of Accounts for Regular Shares
115,730
All other shares
1,840
Non Member Deposits
4
Money Market Shares
1,385
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
83,399,704
Total Liabilities
1,057,531,856
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Guardian Credit Union Montgomery, ALIs Guardian Credit Union Montgomery, AL a safe place to deposit money?Yes, Guardian Credit Union Montgomery, AL is considered a safe financial institution. With a Texas Ratio of 11.422589571843%, the institution's financial health is rated as excellent. 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 Guardian Credit Union Montgomery, AL operate?Guardian Credit Union Montgomery, AL 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 Guardian Credit Union Montgomery, AL?Yes, to access services at Guardian Credit Union Montgomery, AL, 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, Guardian Credit Union Montgomery, AL 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, Guardian Credit Union Montgomery, AL provides members with tools to manage their accounts and build a solid financial history. Does Guardian Credit Union Montgomery, AL offer online and mobile banking?Most modern institutions like Guardian Credit Union Montgomery, AL provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.myguardiancu.com. Current Guardian Credit Union Montgomery, AL Rates
Retrieved from our database of financial products. Rates subject to change.
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