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   A credit union is a truly unique financial institution -- one which is owned by its members.  It is a not-for-profit, democratically owned organization, and that's one of the primary reasons why a credit union differs from a commercial bank or savings and loan.  The cooperative spirit and philosophy that gave the first credit unions a beginning still exist today.  Every member (above age 15) has one vote at the credit union's annual membership meeting, because each member owns a part of the credit union.

   The Guardian Credit Union was chartered in June, 1958, for the purpose of making short-term travel loans for the full-time National Guard Technicians who traveled and had to wait for reimbursement from the government.  Since that time our field of membership has expanded to include a wider range of members.  You may be eligible as a member of our Select Employee Groups:

• Members of the Alabama Army and Air National Guard
• Alabama Military Department
• Alabama ABC Board
• Alabama Dept. of Agriculture and Industry
• Alabama Dept. of Environmental Management
• Alabama Dept. of Finance Printing & Publication
• Alabama Dept of Labor
• Alabama Dept. of Transportation
• Alabama Motor Express
• American Credit Union Buyers Association
• Arvin Meritor (Montgomery and Fort Deposit)
• Central Products
• Christian Testing Laboratories
• CSX Railroad Employees
• Imperial Pulp & Data Corp.
• Interstate Nationalease, Inc.
• Office of Dr. Lawrence T. Williams
• Thermalex
• United State Property & Fiscal Office
• All blood relatives of existing members

    In addition, everyone who works, worships, attends school in, or resides in Montgomery, Autauga, Elmore, Chilton, Coosa, Tallapoosa, Lee, Russell, Macon, Crenshaw, Butler, and Lowdnes Counties is now eligible for membership at Guardian Credit Union. We recently received a field of membership expansion from the Alabama Credit Union Administration. This expansion should help us to grow and offer more financial services to meet your needs.

   Call us to see if you qualify for membership, or apply online by clicking here!

Service - Our Promise

   We are proud of the professional, personalized service we offer.   You'll be treated like family at Guardian Credit Union.

   If you have questions please email us at angcu@eplinc.com. If you would like to join the credit union, click here and fill out the application!

GUARDIAN CREDIT UNION
FEE SCHEDULE AND SHARE ACCOUNT DISCLOSURE

Dividend Information: Dividends are paid from current income and available earnings, after required transfers to reserves at the end of a dividend period. The Dividend Period for our accounts is quarterly. For example, the beginning date of the first dividend period of the calendar year is January 1, and the ending date of such period is March 31. All other dividend periods follow this same pattern of dates. The dividend declaration date follows the ending date of the dividend period, and for the example above would be April 1. The dividend rate and APY may change every quarter as determined by the Credit Union's Board of Directors. Dividends are calculated by the average daily balance method which applies a periodic rate to the average daily balance in the account for the period. The average daily balance is determined by adding the full balance account for each day of the period and dividing that figure by the number of days in the period. Dividends will begin to accrue on the business day you deposit noncash items (e.g., checks) to your account. Dividends will be compounded quarterly and credited quarterly to the account. If you close an account, you will forfeit all dividends not yet credited.

No dividends are earned on average daily balances less than $100.00.

Minimum Balance Information: In order to maintain this account, you must keep the $25.00 par value of a regular share in this Credit Union.

Transaction Limitations: You may not make more than six withdrawals or transfers to another credit union account of yours or to a third party by means of a pre-authorized or automatic transfer or telephonic order or instruction during any statement period. No more than three of the six transfers may be made by check, draft, debit card, if applicable, or similar order to a third party. If you exceed the transfer limitations set forth above in any statement period, your account may be closed by us.

Fees and Charges: Below is the Rate and Fee Schedule which sets forth certain conditions, rates, fees and charges applicable to your accounts. This schedule is incorporated into your Master Account Agreement with the Credit Union.