Guardians Credit Union

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A short history of Guardians CU

Since its inception in 1991 the Guardians Credit Union has been serving its members in the WEST PALM BEACH, Florida area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by John Deese, the Guardians CU has grown its membership to over 29,139 with assets of more than $153,087,452. They have a main office and 5 branch offices. Please see the credit unions website or contact them by phone at (561) 686-4006 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in WEST PALM BEACH, FL.

General Information For Guardians CU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 67521
Address 3469 SUMMIT BLVD 
State Florida 
Zip-Code 33406
Phone Number (561) 686-4006
Fax Number (561) 687-9943
Email Address:
CEO/President John Deese
Members 29,139 
Full-Time Employees 63 
Part-Time Employees
Number of Branch Offices
Total Assets 153,087,452 

Compare Guardians Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
First Choice CU Main Office 1055 S Congress Ave 33406 (561) 641-0100 No 0.19
Gold Coast CU Port St. Lucie 10000 S US Highway 1 34952 (772) 335-2083 No 1.33
Town Of Palm Beach CU Main Office 951 Okeechobee Rd Ste B 33401 (561) 655-4282 No 3.40
Velocity Community CU Pratt Office 17900 BEE LINE HWY 33420 (561) 775-2525 No 12.60
Ibm Southeast Employees CU Southlake 1135 Mount Zion Rd 33420 (770) 961-1101 No 12.93

Guardians Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Guardians Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 8.90 2.49 2.99 4.00 5.75
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 151 83 91 138 317
Rank Among All Florida Credit Unions 13 14 12 19 40

Guardians Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.05 0.10 0.05 0.05
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 143 134 340 291
Rank Among All Florida Credit Unions N/A 22 27 66 45
Guardians Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 8.9001,9821,797,873
All Other Unsecured Loans/Lines of Credit 17.4504,52715,934,681
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 2.4904829,023,328
Used Vehicle Loans 2.9902,68732,343,615
Total 1st Mortgage Real Estate Loans/Lines of Credit 4.000868,603,582
Total Other Real Estate Loans/Lines of Credit 5.75030511,843,473
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 2.0505405,711,506
TOTAL LOANS & LEASES 10,60985,258,058

Guardians Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 334,151,2581124,000
    b. 15 Years or less 301,834,225145,000
    a. > 15 years 232,618,09900
    b. 15 Years or less 0000
Other Fixed Rate 0000
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 1255,272,08813640,605
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1806,571,38517564,560
Open-End Fixed Rate 0000
TOTALS 39120,447,055321,374,165


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Guardians Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes