What are the current interest rates at Guardian Credit Union Montgomery, AL?

Current rates for Guardian Credit Union Montgomery, AL include: 12-Month CD: 3.95%, 18-Month CD: 4.05%, 24-Month CD: 4.00%, 60-Month CD: 3.85%, Savings: 5.10%, MMA: 3.25%

MonitorBankRates

☰

Survey Results We asked readers after the Fed’s Sept. 16 hike: 50% of savers say their bank still has not raised their rate since the Fed funds rate increase. See the full results

Home›
Credit Unions›
Guardian Credit Union Montgomery, AL

iAdvertiser Disclosure

Guardian Credit Union Montgomery, AL Rates & Review October 2026

Q: 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.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 7, 2026

Guardian Credit Union Montgomery, AL's top rates as of October 7, 2026 are 4.35% APY on its Business CDs of Deposit 13 month Special CD, 5.10% APY on savings, 3.25% APY on money market accounts, 5.00% APY on checking, and personal loans from 9.50% APR, according to rates verified by MonitorBankRates. Other Guardian Credit Union Montgomery, AL CD rates include Business CDs of Deposit 7 month at 4.15%, CDs of Deposit 7 month at 4.15%, and 18 Month Business CDs of Deposit at 4.05%. 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 10/07/2026.

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.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

Excellent Health Score: 95/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

10.50%

Excellent Higher than avg

Health Trend

Improving 12 quarters

Full history ›

Guardian Credit Union Montgomery, AL
Guardian Way

1 Guardian Way
Prattville, AL 36066

https://www.myguardiancu.com

Customer Reviews

Be the first to review

Write a Review

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

Product	Rate	APY	Term
Certificates of Deposit 7 month	4.07%	4.15%	7 Months
Min Balance $10,000 Details Monthly Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Certificates of Deposit - 18 month	3.98%	4.05%	18 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65% Oct 2, 20264.05%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Certificates of Deposit - 24 month	3.93%	4.00%	24 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55% Oct 2, 20264.00%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Certificates of Deposit - 12 month	3.88%	3.95%	12 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 2, 20263.95%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Certificates of Deposit - 36 month	3.83%	3.90%	36 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50% Oct 2, 20263.90%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Certificates of Deposit - 48 month	3.78%	3.85%	48 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45% Oct 2, 20263.85%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Certificates of Deposit - 60 month	3.78%	3.85%	60 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40% Oct 2, 20263.85%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Certificates of Deposit - 6 month	3.74%	3.80%	6 Months
Min Deposit $500 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 2, 20263.80%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Business CD Rates

Product	Rate	APY	Term
Business Certificates of Deposit 13 month Special	4.27%	4.35%	13 Months
Min Balance $10,000 Details Paid Monthly Last Updated 10/07/2026 Rate History No change since Oct 7, 2026 · 4.35% APY · checked 2 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Business Certificates of Deposit 7 month	4.07%	4.15%	7 Months
Min Balance $10,000 Details Paid Monthly Last Updated 10/07/2026 Rate History No change since Oct 2, 2026 · 4.15% APY · checked 3 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
18 Month Business Certificates of Deposit	3.98%	4.05%	18 Months
Min Deposit $500 Details * $500 Minimum Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.65% → 4.05% ▲ 0.40 pts · high 4.05% / low 3.65% Oct 2, 20264.05%▲ from 3.65% Sep 18, 20263.65%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
24 Month Business Certificates of Deposit	3.93%	4.00%	24 Months
Min Deposit $500 Details * $500 Minimum Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.55% → 4.00% ▲ 0.45 pts · high 4.00% / low 3.55% Oct 2, 20264.00%▲ from 3.55% Sep 18, 20263.55%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
12 Month Business Certificates of Deposit	3.88%	3.95%	12 Months
Min Deposit $500 Details * $500 Minimum Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.70% → 3.95% ▲ 0.25 pts · high 3.95% / low 3.70% Oct 2, 20263.95%▲ from 3.70% Sep 18, 20263.70%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
36 Month Business Certificates of Deposit	3.83%	3.90%	36 Months
Min Deposit $500 Details * $500 Minimum Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.50% → 3.90% ▲ 0.40 pts · high 3.90% / low 3.50% Oct 2, 20263.90%▲ from 3.50% Sep 18, 20263.50%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
48 Month Business Certificates of Deposit	3.78%	3.85%	48 Months
Min Deposit $500 Details * $500 Minimum Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.45% → 3.85% ▲ 0.40 pts · high 3.85% / low 3.45% Oct 2, 20263.85%▲ from 3.45% Sep 18, 20263.45%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
60 Month Business Certificates of Deposit	3.78%	3.85%	60 Months
Min Deposit $500 Details * $500 Minimum Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.40% → 3.85% ▲ 0.45 pts · high 3.85% / low 3.40% Oct 2, 20263.85%▲ from 3.40% Sep 18, 20263.40%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
6 Month Business Certificates of Deposit	3.74%	3.80%	6 Months
Min Deposit $500 Details * $500 Minimum Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.75% → 3.80% ▲ 0.05 pts · high 3.80% / low 3.75% Oct 2, 20263.80%▲ from 3.75% Sep 18, 20263.75%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Savings Rates

Product	Rate	APY
Round-Up Savings	5.00%	5.10%
No additional details. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
High-Yield Savings	3.93%	4.00%
Min Balance $10,000 Details ($10,000 required average daily balance) Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 5.00% → 4.00% ▼ 1.00 pts · high 5.00% / low 3.75% Oct 2, 20264.00%▲ from 3.75% Sep 27, 20263.75%▼ from 5.00% Sep 18, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Regular Share and Club Accounts	0.20%	0.20%
Min Balance $0 Details Average Balances > $3,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Regular Share and Club Accounts	0.10%	0.10%
Min Balance $100 Details Average Balances $100 - $2,999 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Business Savings Rates

Product	Rate	APY
Business Savings	0.20%	0.20%
Min Balance $3,000 Details Average Balances > $3,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Business Savings	0.10%	0.10%
Min Balance $100 Details Average Balances $100 - $2,999; Average Balances > $3,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Money Market Rates

Product	Rate	APY
Money Market	3.20%	3.25%
Min Balance $2,500 Details Balance: $2,500 to $9,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 2, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Money Market	3.20%	3.25%
Min Balance $10,000 Details Balance: $10,000 to $24,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 2, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Money Market	3.20%	3.25%
Min Balance $25,000 Details Balance: $25,000 to $99,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 2, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Money Market	3.20%	3.25%
Min Balance $100,000 Details Balance: $100,000 to $249,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 2, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Money Market	3.20%	3.25%
Min Balance $250,000 Details Balance: $250,000 to $499,999.99 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 2, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Money Market	3.20%	3.25%
Min Balance $500,000 Details Balance: $500,000 and up Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.00% → 3.25% ▲ 0.25 pts · high 3.25% / low 3.00% Oct 2, 20263.25%▲ from 3.00% Sep 18, 20263.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Business Money Market Rates

Product	Rate	APY
Business Money Market+	2.52%	2.55%
Min Balance $250,000 Details ($2,500 daily balance required); $250,000 to $499,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Business Money Market+	2.52%	2.55%
Min Balance $500,000 Details ($2,500 daily balance required); $500,000 and up Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.55% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Business Money Market+	2.42%	2.45%
Min Balance $100,000 Details ($2,500 daily balance required); $100,000 to $249,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 2.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Business Money Market+	1.74%	1.75%
Min Balance $25,000 Details ($2,500 daily balance required); $25,000 to $99,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.75% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Business Money Market+	1.69%	1.70%
Min Balance $10,000 Details ($2,500 daily balance required); $10,000 to $24,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.70% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Business Money Market+	1.64%	1.65%
Min Balance $2,500 Details ($2,500 daily balance required); $2,500 to $9,999.99 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 1.65% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Checking Rates

Product	Rate	APY
Ultimate Checking	4.89%	5.00%
Min Balance $15,000 Details Balance: Average Balances up to $15,000 Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Premier Checking	0.20%	0.20%
Min Balance $5,000 Details Balance: $5,000 required average daily balance Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Guardian and Simplified Checking	0.05%	0.05%
Min Balance $2,500 Details Balance: $2,500 required average daily balance Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Ultimate Checking	0.05%	0.05%
Min Balance $15,000 Details Balance: Average Balances > $15,000 Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 5.00% → 0.05% ▼ 4.95 pts · high 5.00% / low 0.05% Oct 7, 20260.05%▼ from 5.00% Sep 18, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Business Checking Rates

Product	Rate	APY
Business Premier Checking	0.20%	0.20%
Min Balance $5,000 Details ($5,000 required average daily balance) Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.20% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Business Checking	0.05%	0.05%
Min Balance $2,500 Details ($2,500 required average daily balance) Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Auto Loan Rates

Product	Rate	Points	APR	Term	View More
New & Used Autos, Truck, Vans	-	-	4.50%	Up to 102 months
Details Published APR range: 4.50% - 21.95%. As low as Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 4.50% ▲ 1.25 pts · high 4.50% / low 3.25% Oct 2, 20264.50%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term	View More
New & Used Motorcycles, ATVs, Boats, RVs & Farm Equipment	-	4.50%	Up to 102 months
Details Published APR range: 4.50% - 21.95%. As low as Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 3.25% → 4.50% ▲ 1.25 pts · high 4.50% / low 3.25% Oct 2, 20264.50%▲ from 3.25% Sep 18, 20263.25%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Personal Loan Rates

Product	APR	Term	View More
Signature Loans	9.50%	Up to 60 months
Details Published APR range: 9.50% - 21.95%. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 8.95% → 9.50% ▲ 0.55 pts · high 9.50% / low 8.95% Oct 2, 20269.50%▲ from 8.95% Sep 18, 20268.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Guardian Credit Union Montgomery, AL Other Rates

Product	Rate	Points	APY/APR	Term
New & Used Mobile Homes Loan	-	-	9.50%	Up to 96 months
Details Published APR range: 9.50% - 18.95%. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 8.95% → 9.50% ▲ 0.55 pts · high 9.50% / low 8.95% Oct 1, 20269.50%▲ from 8.95% Sep 18, 20268.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Pool Loans	-	-	9.50%	Up to 78 months
Details Published APR range: 9.50% - 21.95%. Last Updated 10/07/2026 Rate History 1 change since Sep 18, 2026 · 8.95% → 9.50% ▲ 0.55 pts · high 9.50% / low 8.95% Oct 2, 20269.50%▲ from 8.95% Sep 18, 20268.95%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
High-Yield Savings	-	-	4.00%
Min Balance $10,000 Details Qualifications Required: Meet Ultimate Checking monthly objectives; Earn more from your hard-earned money. Access this exclusive savings account by opening an Ultimate Checking account. No Monthly Services Fees. No maximum deposit limits. Additional Share Insurance may be available for balances greater than $250,000. Meet Ultimate Checking monthly objectives to earn dividends Last Updated 10/07/2026 Rate History 2 changes since Sep 18, 2026 · 5.00% → 4.00% ▼ 1.00 pts · high 5.00% / low 3.75% Oct 2, 20264.00%▲ from 3.75% Sep 27, 20263.75%▼ from 5.00% Sep 18, 20265.00%first recorded Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%
Ultimate Checking	-	-	5.00%
Min Balance $15,000 Details Qualifications Required: Spend $250 per month minimum; Swipe 15 times per month with your Guardian debit card; Qualifying balance up to $15,000.00; See current rate sheet for dividends paid on balances greater than $15,000 for Ultimate Checking. Last Updated 10/07/2026 Rate History No change since Sep 18, 2026 · 5.00% APY · checked 6 times Institution Ratings 5.0 Star Rating A Health Grade ◈ Texas Ratio: 10.50%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Financial Health History

Guardian 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)

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

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$1.3B	10.50%	5.0	A
March 31, 2026	$1.2B	9.02%	5.0	A
December 31, 2025	$1.2B	13.08%	5.0	A
September 30, 2025	$1.2B	10.26%	5.0	A
June 30, 2025	$1.1B	8.55%	5.0	A
March 31, 2025	$1.1B	8.56%	5.0	A
December 31, 2024	$1.1B	13.36%	5.0	A
September 30, 2024	$1.1B	14.68%	5.0	A-
June 30, 2024	$1.1B	12.06%	5.0	A
March 31, 2024	$1.0B	9.65%	5.0	A
December 31, 2023	$1.0B	14.45%	5.0	A-
September 30, 2023	$963M	13.21%	5.0	A

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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

Financials

MonitorBankRates 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

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

Q2 2026 MBR Health & Safety Badge

Guardian Credit Union Montgomery, AL earned the Verified Healthy badge

Display this badge on your website to show visitors your Q2 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates, so there is no need to download or upload anything. Badges are re-tested every quarter; when a new quarter is published, come back to this page for the updated code.

<a href="https://monitorbankrates.com/credit-unions/guardian-credit-union-rates-review-68374">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026-q2.svg"
       alt="MonitorBankRates Verified Healthy Badge Q2 2026"
       width="160" height="160">
</a>

Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

There are no reviews for Guardian Credit Union Montgomery, AL yet. Feel free to create one below.

Looking for more bank and credit union reviews? Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Guardian Credit Union Montgomery, AL

Frequently Asked Questions About Guardian Credit Union Montgomery, AL

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

12-Month CD3.95%
18-Month CD4.05%
24-Month CD4.00%
60-Month CD3.85%
Savings5.10%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Guardian Credit Union Montgomery, AL Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Guardian Credit Union Montgomery, AL Texas Ratio

Guardian Credit Union Montgomery, AL Health Trend

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 History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Guardian Credit Union Montgomery, AL earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Guardian Credit Union Montgomery, AL

How many branches does Guardian Credit Union Montgomery, AL operate?

Is a member application needed to join Guardian Credit Union Montgomery, AL?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Guardian Credit Union Montgomery, AL offer online and mobile banking?

Current Guardian Credit Union Montgomery, AL Rates

Compare to Other Credit Unions