Guardian Credit Union CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Guardian Credit Union's 6-Month CD (Certificate) special rates are at 5.48%, 12-Month CD (Certificate) special rates are at 5.48%, 6-Month CD (Certificate) rates are at 5.12%, 18-Month CD (Certificate) rates are at 4.59%, 36-Month CD (Certificate) rates are at 4.28%. Guardian Credit Union's savings rates are at 5.10%. Guardian Credit Union's money market rates are at 3.04%.

Guardian Credit Union

Compare Guardian Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Guardian Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

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

Overall, Guardian Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
5.48%
18-Month CD
4.59%
24-Month CD
4.28%
36-Month CD
4.28%
48-Month CD
4.18%
60-Month CD
4.07%
Savings
5.10%
MMA
3.04%
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Guardian Credit Union
Main
418 Madison Ave
Montgomery, AL 36104
Member NCUA
MonitorBankRates' Rating
5/5
★★★★★

Compare Guardian Credit Union Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Guardian Credit Union
Guardian Credit Union
6-Month CD (Certificate) special
5.48%
$10,000
Guardian Credit Union
Guardian Credit Union
12-Month CD (Certificate) special
5.48%
$10,000
Guardian Credit Union
Guardian Credit Union
6-Month CD (Certificate)
5.12%
$500
Guardian Credit Union
Guardian Credit Union
RoundUp Savings
5.10%
$5
Guardian Credit Union
Guardian Credit Union
18-Month CD (Certificate)
4.59%
$500
Guardian Credit Union
Guardian Credit Union
36-Month CD (Certificate)
4.28%
$500
Guardian Credit Union
Guardian Credit Union
24-Month CD (Certificate)
4.28%
$500
Guardian Credit Union
Guardian Credit Union
48-Month CD (Certificate)
4.18%
$500
Guardian Credit Union
Guardian Credit Union
60-Month CD (Certificate)
4.07%
$500
Guardian Credit Union
Guardian Credit Union
Money Market
3.04%
$500,000
Wilson Bank and Trust
Wilson Bank and Trust
WBT Saver Savings Account
0.10%
$0
First National Bank of Hutchinson
First National Bank of Hutchinson
9-Month CD Special
5.40%
$2,500
Center National Bank
Center National Bank
24-Month CD
2.50%
$500
Bank of Botetourt
Bank of Botetourt
60-Month CD
1.00%
$500
Digital Federal Credit Union (dcu)
Digital Federal Credit Union (dcu)
12-Month CD certificate
5.13%
$500
State Bank of Newburg
State Bank of Newburg
36-Month CD
3.65%
$500
Marquette Savings Bank
Marquette Savings Bank
36-Month CD
2.02%
$500
Machias Savings Bank
Machias Savings Bank
36-Month CD
1.20%
$500
Citizens National Bank of Albion
Citizens National Bank of Albion
6-Month CD
4.75%
$1,000
First Enterprise Bank
First Enterprise Bank
36-Month CD
2.50%
$1,000
First Federal S&L Bath
First Federal S&L Bath
Now Checking Account
0.05%
$100
Farmers and Merchants Bank Milligan, NE
Farmers and Merchants Bank Milligan, NE
48-Month CD
2.47%
$500
Madison Valley Bank
Madison Valley Bank
12-Month CD
1.60%
$500
Petefish, Skiles & Co.
18-Month CD
1.66%
$1,000
American Commerce Bank, N.A.
American Commerce Bank, N.A.
Personal Money Market
2.48%
$5,000
F&M Bank of St. Clair
F&M Bank of St. Clair
10-Month CD
5.00%
$500
West Union Bank
West Union Bank
12-Month CD
2.10%
$500
Farmers-Merchants Bank of Illinois
Farmers-Merchants Bank of Illinois
60-Month CD
2.12%
$1,000
Touchmark Bank
Touchmark Bank
Business Platinum Money Market
2.76%
$250,000
Penn Community Bank
Penn Community Bank
13-Month CD special
5.10%
$500
Logansport Savings Bank
Logansport Savings Bank
Savings Account
0.25%
$100
Bank of Kampsville
Bank of Kampsville
23-Month CD
3.55%
$1,000
First National Bank VA
First National Bank VA
60-Month CD
1.51%
$500
Belt Valley Bank
Belt Valley Bank
12-Month CD
4.05%
$500
Southwest National Bank
Southwest National Bank
Investment Savings
1.25%
$250,000
Bank 21
Bank 21
18-Month CD
4.00%
$500
Gateway Bank Mendota Heights, MN
Gateway Bank Mendota Heights, MN
36-Month CD
2.59%
$1,000
Cornerstone State Bank
Cornerstone State Bank
12-Month CD Jumbo
4.30%
$200,000
O Bannon Banking Co.
O Bannon Banking Co.
24-Month CD
2.78%
$1,000
Utah Independent Bank
Utah Independent Bank
Savings Account
0.20%
$25
Needham Bank
Needham Bank
36-Month CD
2.10%
$1,000
JVB Juniata Valley Bank
JVB Juniata Valley Bank
Money Market Deposit
0.50%
$1,000
Movement Bank
Movement Bank
6-Month CD
0.65%
$500
Vio Bank
Vio Bank
Cornerstone Money Market Savings Account
5.30%
$100
Ohio Valley Bank Co.
Ohio Valley Bank Co.
6-Month CD
0.75%
$2,500
Greene County Commercial Bank
Greene County Commercial Bank
18-Month CD
0.25%
$1,000
Suncoast Credit Union
Suncoast Credit Union
36-Month CD share
3.60%
$500
Lumbee Guaranty Bank
Lumbee Guaranty Bank
5-Month CD special
5.10%
$5,000
Citizens State Bank Moundridge, KS
24-Month CD
2.50%
$1,000
Community Bank of Raymore
Community Bank of Raymore
12-Month CD
0.05%
$500
Pittsfield Co-operative Bank
Pittsfield Co-operative Bank
Money Market Deposit Account
0.01%
$0
Wolf River Community Bank
Wolf River Community Bank
6-Month CD
0.80%
$1,000
Bridge City State Bank
Bridge City State Bank
48-Month CD
3.89%
$500
Marblehead Bank
Marblehead Bank
Savings Account
0.10%
$10
First Resource Bank Exton, PA
First Resource Bank Exton, PA
9-Month CD
5.25%
$500
Star Financial Bank
Star Financial Bank
60-Month CD
2.00%
$100
Heritage Bank Wood River, NE
1-Month CD
0.51%
$1,000
Bank of Hillsboro
Bank of Hillsboro
18-Month CD
2.07%
$1,000
Bank of New Hampshire
Bank of New Hampshire
10-Month CD special
4.80%
$10,000
Bank of Botetourt
Bank of Botetourt
Personal Savings
0.15%
$100
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Compare Guardian Credit Union Mortgage Rates with Lenders Rates for Fixed and Adjustable Mortgages

Lender
Product
Rate
APR
Points
Citi
Citi
15-Year Fixed
6.500%
6.591%
0.875
StonehamBank
StonehamBank
15-Year Fixed
6.500%
6.616%
0.000
Highpoint Community Bank
Highpoint Community Bank
7/1 ARM
6.750%
6.933%
0.000
Wells Fargo
Wells Fargo
30-Year Fixed VA
5.875%
6.199%
1.000
Y 12 Federal Credit Union
Y 12 Federal Credit Union
5/5 ARM
6.625%
6.750%
1.000
Bank of America
Bank of America
10Y/6M ARM
6.625%
7.402%
0.952
Security Service Federal Credit Union
Security Service Federal Credit Union
15-Year Power Rate Fixed
5.375%
5.594%
0.000
OlyFed Olympia Federal S&L
OlyFed Olympia Federal S&L
10-Year Fixed
7.125%
7.524%
1.000
Everett Co-operative Bank
Everett Co-operative Bank
30-Year Fixed
6.750%
6.797%
0.000
First Federal Bank of Kansas City
First Federal Bank of Kansas City
30-Year Fixed
6.875%
6.875%
0.000
The Huntington National Bank
The Huntington National Bank
30-Year Fixed
6.875%
6.928%
0.250
Old National Bank
Old National Bank
30-Year Fixed
6.500%
6.541%
0.000
Wells Fargo
Wells Fargo
30-Year Fixed
6.125%
6.331%
1.000
Teachers Federal Credit Union
Teachers Federal Credit Union
20-Year Fixed
6.250%
6.340%
0.500
Hatboro Federal Savings
Hatboro Federal Savings
15-Year Fixed
5.375%
5.757%
2.000
Catskill Hudson Bank
Catskill Hudson Bank
7/6 ARM
6.375%
7.303%
0.000
Old National Bank
Old National Bank
30-Year Fixed FHA
6.000%
7.565%
0.000
Navy Federal Credit Union
Navy Federal Credit Union
3/5 Conforming ARM
5.000%
5.960%
0.250
State Bank of Southern Utah
State Bank of Southern Utah
15-Year Fixed
6.000%
6.246%
0.000
Quicken Loans
Quicken Loans
30-Year Fixed Jumbo
6.250%
6.439%
1.500
600 Atlantic Federal Credit Union
600 Atlantic Federal Credit Union
30-Year Fixed
7.490%
7.490%
0.000
Chase Bank
Chase Bank
30-Year Fixed FHA
6.250%
7.054%
1.000
Citizens State Bank Cadott, WI
Citizens State Bank Cadott, WI
15-Year Fixed
6.250%
6.368%
0.000
U.S. Bank
U.S. Bank
7/6 ARM
6.250%
7.280%
0.623
U.S. Bank
U.S. Bank
15-Year Fixed
5.750%
6.014%
0.819
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Compare Guardian Credit Union Credit Cards with Other Competitive Bank and Credit Union Credit Cards

Institution
Product
APR
Notes
1st Cooperative Federal Credit Union
1st Cooperative Federal Credit Union
Visa Platinum Credit Card
8.500%
As low as 8.50%
Y 12 Federal Credit Union
Y 12 Federal Credit Union
VISA Secured
18.000%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Student Select Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
Academic Federal Credit Union
Academic Federal Credit Union
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
ACFCU
ACFCU
Reserve Rewards+ Card Visa
19.740% - 29.740%
Enjoy premium rewards and benefits, plus receive a $500 bonus.
Schoolsfirst Federal Credit Union
Schoolsfirst Federal Credit Union
Share-Secured Mastercard
13.900%
Maximum Loan Amount Up to $5,000.00
Hughes Federal Credit Union
Hughes Federal Credit Union
Visa Platinum Credit Card
9.500% - 12.500%
Schoolsfirst Federal Credit Union
Schoolsfirst Federal Credit Union
Rewards Mastercard
15.000% - 17.900%
Maximum Loan Amount Up to $35,000.00
Achieve Credit Union
Achieve Credit Union
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
University First Federal Credit Union
University First Federal Credit Union
Visa Crimson Rewards Card
13.740%
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Select Rewards Visa
15.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
The Golden 1 Credit Union
The Golden 1 Credit Union
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
The Golden 1 Credit Union
The Golden 1 Credit Union
Member First VISA
15.040%
No balance transfer fees or annual fees.
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Visa or MasterCard
9.990%
Credit Line $500-$7,000
University First Federal Credit Union
University First Federal Credit Union
Visa Secure Card
13.740%
Aberdeen Proving Ground Federal Credit Union
Aberdeen Proving Ground Federal Credit Union
Visa Platinum Preferred
14.240% - 17.990%
Acipco Federal Credit Union
Acipco Federal Credit Union
Visa Credit Card
9.990%
Security Service Federal Credit Union
Security Service Federal Credit Union
Security Service Power Rewards MasterCard
18.000%
A & S Federal Credit Union
A & S Federal Credit Union
Visa Platinum Card
9.500%
No annual fee; Earn Rewards
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Visa Gold or Gold MasterCard
9.990%
Credit Line $7,000-$20,000
Abri Credit Union
Abri Credit Union
Platinum Visa
12.400% - 21.400%
The right choice if you carry a monthly balance & want to pay the lowest rate.
Suncoast Credit Union
Suncoast Credit Union
Rewards Platinum VISA
12.500%
Credit Limit - $500 - $50,000
America First Federal Credit Union
America First Federal Credit Union
Platinum Low Rate VISA
12.240%
Low Rate Platinum Card
First Technology Federal Credit Union
First Technology Federal Credit Union
Odyssey Rewards World Elite Mastercard
12.240%
First Technology Federal Credit Union
First Technology Federal Credit Union
Platinum Mastercard
12.240%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Compare Guardian Credit Union Personal Loans with Other Competitive Bank and Credit Union Personal Loans

Institution
Product
APR
Loan Amt
Loan Term Months
Suncoast Credit Union
Suncoast Credit Union
Personal Line of Credit
11.500%
$0
Alec Federal Credit Unon Federal Credit Union
Alec Federal Credit Unon Federal Credit Union
New Signature Loans
8.990%
$0
4u Federal Credit Union
4u Federal Credit Union
Personal Loan
10.650%
$0
Y 12 Federal Credit Union
Y 12 Federal Credit Union
Access Line Of Credit
16.240%
$0
ACFCU
ACFCU
Personal Loans
13.450%
$0
60
Abbott Laboratories Credit Union
Abbott Laboratories Credit Union
Personal Loan
10.490%
$0
60 - 60
Vystar Credit Union
Vystar Credit Union
Personal Loans
11.000%
$0
37 - 60
Access Federal Credit Union
Access Federal Credit Union
Unsecured Loans
9.990%
$0
1 - 60
Security Service Federal Credit Union
Security Service Federal Credit Union
Debt Consolidation Loan
11.240% - 17.950%
$0
25 - 36
Acadian Federal Credit Union
Acadian Federal Credit Union
Open-End Unsecured Signature Loan-Line of Credit
10.200%
$0
Academic Federal Credit Union
Academic Federal Credit Union
Signature Loan
7.000%
$500 - $15,000
60
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Loan
8.890%
$0
1st Street Credit Union
1st Street Credit Union
50% Share Secured Loan
6.460% - 14.990%
$0
Abilene Teachers Federal Credit Union
Abilene Teachers Federal Credit Union
Consumer Loan
10.250% - 17.950%
$0
1 - 36
Achieve Financial Credit Union
Achieve Financial Credit Union
Unsecured/Personal Loans
8.990%
$0
Suncoast Credit Union
Suncoast Credit Union
Technology Loan
9.750%
$0
36
Abri Credit Union
Abri Credit Union
Personal Loans
8.990% - 19.990%
$500 - $30,000
60
Academic Employees Credit Union
Academic Employees Credit Union
Personal Loan
10.500%
$0 - $5,000
24 - 36
Y 12 Federal Credit Union
Y 12 Federal Credit Union
Signature Loan
12.490%
$0
360 Federal Credit Union
360 Federal Credit Union
Signature LOC Revolving Credit Line
12.500%
$0 - $10,000
1st Valley Credit Union
1st Valley Credit Union
AMP Loan
10.500%
$0
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Open End Line-of-Credit
11.990%
$0
The Golden 1 Credit Union
The Golden 1 Credit Union
Personal Line of Credit
13.040%
$0
Avenir Financial Federal Credit Union
Avenir Financial Federal Credit Union
Personal Loan
11.990%
$0
360 Federal Credit Union
360 Federal Credit Union
Anything Loan
10.990%
$500
36
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Guardian Credit Union Information

Credit Union Name: Guardian Credit Union
Full Time Employees: 257
Part Time Employees: 3
President: Scott Kramer
CEO: Heath Harrell
Branch Locations: 16
ATM Locations: 15
Corporate Office Address:
418 Madison Ave
Montgomery, AL 36104
Phone Number: 334-244-9999
Fax Number: 334-834-4495

Guardian Credit Union Financials

Total Assets:
963,302,084
Total Amount of Shares and Deposits:
836,530,202
Total Shares and Deposits < 1 Year:
545,736,248
Total Shares and Deposits 1 3 Years:
236,641,970
Total Shares and Deposits > 3 Years:
54,151,984
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
65,323,642
Total Uninsured Shares and Deposits > $250K (F+J):
65,323,642
Total Insured Shares and Deposits > $250K (item 17 less item K):
771,206,560
Total Interest Expense (Sum of items 6 8):
10,980,171
Share Certificates:
6,819
Number of Accounts for Share Drafts:
58,091
IRA KEOGH Accounts:
2,274
Number of Accounts for Regular Shares:
105,293
All other shares:
1,834
Non Member Deposits:
5
Money Market Shares:
1,297
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
34,544,006
Total Liabilities:
884,626,362
Show More

Guardian Credit Union Questions and Answers

No Cost Share Drafts:
Yes
Share Certificates with Low Minimum Balance Requirements:
Yes
Is Financial Counseling Offered?:
Yes
Financial Education offered for Members?:
Yes
Are financial literacy Workshops offered?:
No
Is there a first time homebuyer program?:
No
Credit management and repair offered?:
No
Online Financial Literacy?:
No
No Cost Bill Payer:
Yes
Student Scholarships:
1
Credit Builder:
1
Mortgage Processing:
Yes
Approved Mortgage Seller?:
No
Brokered Certificates of Deposits:
1
payment:
Yes
Are low cost wire transfers available?:
Yes
Member Application:
Yes
Are New Loans Available:
Yes
New Share Account:
Yes
Are online loan payments available:
Yes
Online Bill Payment Allowed?:
Yes
Can I download my account history?:
Yes
Account Aggregation:
1
Electronic Signature Authentication Certification:
Yes
Can I get my bank statements online?:
Yes
External Account Transfers Allowed:
Yes
Remote Deposit Allowed:
Yes
Are Mobile Payments Avilable?:
Yes
Show More
Source: NCUA

The Best CD Rates: Credit Unions Offering 6.00% or Higher on CDs (Certificates)


In today's financial environment, where some traditional bank accounts that still offer discouragingly low CD rates, the credit unions are stepping up their game and offering much higher CD rates. If you've been relying on such low-yield options, it's time to consider switching to one of these credit unions. They offer certificate of deposit (CD) rates that not only exceed 6.00% but also provide an avenue for significant financial growth. Let's delve into the specifics:

Truliant Federal Credit Union

At the forefront, Truliant FCU is offering an astonishing 6.25% rate on its 11-month CD. The minimum deposit requirement is $5,000. Investing $10,000 for one year could yield approximately $625, while $100,000 would fetch around $6,250 in returns. This is an excellent option for those who have a higher initial deposit and are looking for a short-term investment with excellent yields.

    Read more...

Explore Other Rate Deals

30 year mortgage rates increased for the third consecutive day after hitting an all-time low this past Friday. Current 30 year mortgage rates are averaging 4.12%, up from yesterday’s average 30 year mortgage rate of 4.07%. 15 year mortgage rates are averaging 3.36%, an increase from yesterday’s average 15 year mortgage rate of 3.31%.
home-equity-line-of-credit-helocMortgage rates and home equity line of credit rates are so low now we just found another great deal. Third Federal Savings & Loan is offering a home equity line of credit (HELOC) with a 2.99% APR for balances larger than $50,000. The HELOC rate of 2.99% is prime minus .25 percent. For HELOC balances under $50,000 the rate is 3.25% APR, prime minus .00 percent.

Bank or Credit Union Offers and Deals

Bank CD Rates in Boston, MA
CD Rates Decline Slightly This Week
Average 30 Year Mortgage Rates Today 4.24 Percent, Lowest Quoted Rates at 3.75 Percent
Sovereign Bank Save & Invest CD Package
U.S. Personal Savings Increases Dramatically in December 2012
Auto Insurance Rates on the Rise Again
Mortgage Rates - Current Mortgage Rates Mixed in the Latest Mortgage Survey
Best Car Insurance Rates
Mortgage Rates: Overnight Mortgage Rates, Current 30 Year Rates at 4.16%
Best Savings Account Rates and Money Market Rates - February 1, 2010

Alternative Bank and Credit Union Offers to Explore

Capital One Bank Online Savings Account
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30 Year Mortgage Rates Today at 3.88 Percent as Housing Starts Decline in February
Low Mortgage Rates Continue: 30 Year Mortgage Rates at 4.67%, 15 Year Mortgage Rates at 4.18%
Mortgage Rates 7-23: Home Mortgage Rates Today Decline: 30 Year Mortgage Rates at 4.69%, 15 Year Mortgage Rates at 4.13%
Mortgage Rates Mixed This Week, November 30, 2010: 30 Year Mortgage Rates Averaging 4.44%, 15 Year Mortgage Rates Averaging 3.74%
Mortgage Rates Drop as Fed Continues to Taper, 30 Year Mortgage Rates at 3.875
Bankwell CD Rates: 5.50% APY 12-Month CD, 5.00% APY 6-Month CD
District of Columbia CD Rates
Money Market Rates in Florida - Best FL Rate Alert

Guardian Credit Union Reviews

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