History & Mission

History & Mission

A credit union is a truly unique financial institution Ė one which is owned by its members, as opposed to privately-run banks. Montgomery, AL and the surrounding areas boast many choices for your financial business, and this is one worth considering! A credit union is a not-for-profit, democratically owned organization, and thatís one of the primary reasons why a credit union differs from a commercial bank or savings and loan. Unlike other types of financial institutions which need to generate profits to satisfy stockholders, we return excess earnings to our member owners in the form of higher dividend rates on deposit accounts, lower interest rates on loans, and low (or no) fees!

The cooperative spirit and philosophy that gave the first credit unions a beginning still exist today.  Every member (age 19 and over) has one vote at the credit unionís annual membership meeting, because each member owns a part of the credit union. 

Everyone who lives, works, worships or attends school in Autauga, Butler, Chilton, Coosa, Crenshaw, Elmore, Lee, Lowndes, Macon, Montgomery, Russell and Tallapoosa counties is eligible to join Guardian Credit Union.  Chartered in June 1958, we began by making short term travel loans to full-time technicians in the Alabama National Guard.  Today we continue to serve all active and retired members of the Guard, as well as members of many other organizations.  Our strength has enabled us to merge with Montgomery Railroad Credit Union, Industrial Relations Credit Union, and COMALA Credit Union.  Over the years our range of products and services has grown as our membership expanded but our commitment to professional, personalized service remains the Guardian hallmark. 

A small deposit into a share savings account is all it takes to join us.  Your membership remains valid even if you move or change jobs.  Once a member, always a member!  Find out what it means to BELONG to Guardian Credit Union.

Service - Our Promise

We are proud of the professional, personalized service thatís offered at our union establishments. When youíre seeking an alternative to local banks, Montgomery, AL locals can attest that you'll be treated like family at Guardian Credit Union. If you have questions please call us at 334-244-9999 or email us at memberservices@myguardiancu.com.