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 Guardian Credit Union Montgomery, AL Rates & Review November 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 and Verified: October 31, 2026
Guardian Credit Union Montgomery, AL's CDs of Deposit 13 month rates are at 4.35%, CDs of Deposit 7 month rates are at 4.15%, CDs of Deposit - 18 month rates are at 4.05%, CDs of Deposit - 24 month rates are at 4.00%, CDs of Deposit - 12 month rates are at 3.95%. Guardian Credit Union Montgomery, AL's savings rates are at 5.10%. Guardian Credit Union Montgomery, AL's money market rates are at 3.25%. Guardian Credit Union Montgomery, AL's checking rates are as high as 5.00%. Guardian Credit Union Montgomery, AL's Personal Loan Rates are as low as 9.50%. Guardian Credit Union Montgomery, AL's CD rates are 40% higher than the MonitorBankRates national average, and it has an A health rating. 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 10.50%. Rates last updated and verified on 10/31/2026. 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  Customer Reviews
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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends. Guardian Credit Union Montgomery, AL CD Rates
Guardian Credit Union Montgomery, AL Business CD Rates
Guardian Credit Union Montgomery, AL Savings Rates
Guardian Credit Union Montgomery, AL Business Savings Rates
Guardian Credit Union Montgomery, AL Money Market Rates
Guardian Credit Union Montgomery, AL Business Money Market Rates
Guardian Credit Union Montgomery, AL Checking Rates
Guardian Credit Union Montgomery, AL Business Checking Rates
Guardian Credit Union Montgomery, AL Auto Loan Rates
Guardian Credit Union Montgomery, AL RV, Boat and Powersport Loan Rates
Guardian Credit Union Montgomery, AL Personal Loan Rates
Guardian Credit Union Montgomery, AL Other Rates
Financial Health HistoryGuardian Credit Union Montgomery, AL’s Texas Ratio fell from 13.21% in Q3 2023 to 10.50% in Q2 2026, so its financial health has improved over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures. Swipe the chart sideways to see every quarter.
Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)
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How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops. Show the quarterly figures
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
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
277
Part-Time Employees
7
Branch Locations
17
ATM Locations
17
NCUA Insured
✓ Yes, up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A (95/100)
Texas Ratio
10.50%
Return on Assets (ROA)
0.5914%
Return on Equity (ROE)
6.2516%
Non-Performing Loans Ratio (NPL)
1.45%
Total Assets
1,274,487,513
Total Amount of Shares and Deposits
1,034,900,887
Total Shares and Deposits < 1 Year
745,344,453
Total Shares and Deposits 1 3 Years
254,613,993
Total Shares and Deposits > 3 Years
34,942,440
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
126,930,751
Total Uninsured Shares and Deposits > $250K (F+J)
126,930,751
Total Insured Shares and Deposits > $250K (item 17 less item K)
907,970,136
Total Interest Expense (Sum of items 6 8)
12,714,717
Share Certificates
7,102
Number of Accounts for Share Drafts
66,817
IRA KEOGH Accounts
2,400
Number of Accounts for Regular Shares
119,283
All other shares
1,818
Non Member Deposits
5
Money Market Shares
2,357
Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)
Well Capitalized
Net Worth Classification if credit union is a new credit union
Well Capitalized
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
120,445,871
Total Liabilities
1,158,875,484
Source: NCUA — Last Updated 06/30/2026
Customer Reviews
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Frequently Asked Questions About Guardian Credit Union Montgomery, ALDoes Guardian Credit Union Montgomery, AL offer CDs?Yes. Guardian Credit Union Montgomery, AL current CD rates include its CDs of Deposit 13 month at 4.35% APY, its CDs of Deposit 7 month at 4.15% APY and its CDs of Deposit - 18 month at 4.05% APY, verified by MonitorBankRates as of October 31, 2026. Are CDs from Guardian Credit Union Montgomery, AL NCUA insured?Yes. Guardian Credit Union Montgomery, AL is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category. What is the highest CD rate at Guardian Credit Union Montgomery, AL?The highest Guardian Credit Union Montgomery, AL CD rate is its Business CD Specials - CDs of Deposit 13 month Special at 4.35% APY, verified by MonitorBankRates as of October 31, 2026. What CD terms does Guardian Credit Union Montgomery, AL offer?Guardian Credit Union Montgomery, AL CD rates are 4.15% APY for a 7 month CD, 3.95% APY for a 12 month CD, 4.35% APY for a 13 month CD, 4.05% APY for an 18 month CD, 4.00% APY for a 2 year CD and 3.85% APY for a 5 year CD, verified by MonitorBankRates as of October 31, 2026. The institution may offer other terms or specials that are not listed here, so check with Guardian Credit Union Montgomery, AL for its full lineup. What is the highest savings rate at Guardian Credit Union Montgomery, AL?The highest Guardian Credit Union Montgomery, AL savings rate is its Round-Up Savings at 5.10% APY, verified by MonitorBankRates as of October 31, 2026. What is the highest money market rate at Guardian Credit Union Montgomery, AL?The highest Guardian Credit Union Montgomery, AL money market rate is its Money Market+ at 3.25% APY, verified by MonitorBankRates as of October 31, 2026. What is the highest checking rate at Guardian Credit Union Montgomery, AL?The highest Guardian Credit Union Montgomery, AL checking rate is its Ultimate Checking at 5.00% APY, verified by MonitorBankRates as of October 31, 2026. What is the lowest auto loan rate at Guardian Credit Union Montgomery, AL?The lowest Guardian Credit Union Montgomery, AL auto loan rate is its New & Used Autos, Truck, Vans at 4.50% APR, verified by MonitorBankRates as of October 31, 2026. What is the lowest personal loan rate at Guardian Credit Union Montgomery, AL?The lowest Guardian Credit Union Montgomery, AL personal loan rate is its Signature Loans at 9.50% APR, verified by MonitorBankRates as of October 31, 2026. 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. Are all CD rates listed on MonitorBankRates federally insured?Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account. I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit. If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money. Why are some CD offers not available for me to open?Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules. How do Guardian Credit Union Montgomery, AL rates compare?Guardian Credit Union Montgomery, AL's CD rates are 40% higher than the MonitorBankRates national average, and it has an A health rating. Guardian Credit Union Montgomery, AL's top rates are its Business CD Specials - CDs of Deposit 13 month Special at 4.35% APY, its Round-Up Savings at 5.10% APY, its Money Market+ at 3.25% APY, its Ultimate Checking at 5.00% APY and its Signature Loans at 9.50% APR, verified by MonitorBankRates on October 31, 2026. Current Guardian Credit Union Montgomery, AL Rates
Retrieved from our database of financial products. Rates subject to change.
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