Credit union · NCUA insured
Guardians Credit Union
A $309.5M credit union headquartered in West Palm Beach, FL, with 36,283 members and 6 branches in Florida. Best rates: CDs 3.25% and savings 0.45% APY.
Guardians Credit Union Carrot Score
80
Carrot Score
Higher than 51% of U.S. banks and credit unions
#31 of 67 in Miami, FL metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Guardians Credit Union
Guardians Credit Union is based in West Palm Beach and has been serving members since 1953.
- Headquarters
- 3469 Summit Blvd, West Palm Beach, FL 33406
- NCUA charter
- 67521
Branches
6 branches in Florida
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Florida
6 branches
Miami area · 5
- Main OfficeMain office3469 Summit Blvd, West Palm Beach, FL 33406Directions
- Boynton Beach1301 N Congress Ave, Boynton Beach, FL 33426Directions
- South Florida FCU Main Branch1902 NW 14th Ave, Miami, FL 33125Directions
- Central Palm Beach8993 Okeechobee Blvd, Suite 112, West Palm Beach, FL 33411Directions
- Ibis10130 Northlake Blvd, Suite 112, West Palm Beach, FL 33412Directions
Port St. Lucie area · 1
- Ft Pierce4009 Okeechobee Rd, Fort Pierce, FL 34947Directions
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
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 14.68% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.42% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 0.53% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $81 | $76 | — |
- CapitalNet worth ratio14.68%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.42%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets0.53%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$81Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion 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 Guardians Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.