Credit union · NCUA insured
Guardian Credit Union
Top CarrotA $1.2B credit union, the 404th largest of 4,329, headquartered in Prattville, AL, with 94,635 members and 16 branches in Alabama. Best rates: savings 3.25% APY.
Guardian Credit Union Carrot Score
Carrot ScoreTop Carrot
Higher than 94% of U.S. banks and credit unions
#3 of 17 in Montgomery, AL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Guardian Credit Union
Founded in 1958, Guardian Credit Union was originally created to serve the financial needs of Alabama National Guard members and their families.
Headquartered in central Alabama with 19 local branches across 16 counties, Guardian expanded its operations by welcoming Solutions First Federal Credit Union into its credit union family.
- Headquarters
- 1 Guardian Way, Prattville, AL 36066
- NCUA charter
- 68374
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to anyone who lives, works, worships, or attends school in Autauga, Butler, Chilton, Coffee, Coosa, Covington, Crenshaw, Dale, Elmore, Lee, Lowndes, Macon, Montgomery, Pike, Russell, or Tallapoosa County, Alabama.
Branches
16 branches in Alabama
Loading map…
Alabama
16 branches
Montgomery area · 11
- Eclectic35 Main St, Eclectic, AL 36024Directions
- 418 Madison418 Madison Ave, Montgomery, AL 36104Directions
- Eastdale3380 Eastdale Cir, Montgomery, AL 36117Directions
- Federal1789 Cong W L Dickinson Dr, Montgomery, AL 36109Directions
- Taylor Rd.2755 Taylor Rd, Montgomery, AL 36117Directions
- Cobbs Ford1794 E Main St, Prattville, AL 36066Directions
- Pine Level101 County Road 92, Prattville, AL 36066Directions
- Prattville 14102 Interstate Ct, Prattville, AL 36066Directions
- Washington Hill300 Jensen Rd, Prattville, AL 36067Directions
- Tallassee1401 Gilmer Ave, Tallassee, AL 36078Directions
- Wetumpka102 Captain Crommelin Dr, Wetumpka, AL 36092Directions
Birmingham area · 2
- Clanton1501 7th St N, Clanton, AL 35045Directions
- Maplesville9411 AL Highway 22, Maplesville, AL 36750Directions
Andalusia area · 1
- Andalusia1215A Dr M L K Jr Expy, Andalusia, AL 36420Directions
Greenville area · 1
- Greenville717 Willow Ln, Greenville, AL 36037Directions
Troy area · 1
- Troy1120 Highway 231 S, Troy, AL 36081Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.46% | 10.86% | 12.59% or more |
| Troubled loans60+ days late | 1.45% | 0.70% | 0.46% or less |
| ProfitabilityReturn on assets | 1.23% | 0.82% | 1.16% or more |
| LendingLoans per $100 deposited | $94 | $88 | — |
- CapitalNet worth ratio9.46%Peers’ middle 10.86% · Top 25% 12.59%+
- Troubled loans60+ days late1.45%Peers’ middle 0.70% · Top 25% ≤0.46%
- ProfitabilityReturn on assets1.23%Peers’ middle 0.82% · Top 25% 1.16%+
- LendingLoans per $100 deposited$94Peers’ middle $88
Compared with the 479 credit unions with $1 billion or more in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Guardian Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.