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Young & Free Checking


If you are between 18 and 25, you qualify for the Young & Free Checking account at Guardian. It's a special free account designed just for you. It includes great benefits all members get plus some extra cool free stuff to go along with it!

The cool FREE stuff for everyone

  • No minimum balance requirement
  • No monthly service fees
  • Free eStatements
  • Free bill pay
  • Free instant issued debit cards that allow you to open your account and walk away with your new debit card in hand, ready to make purchases
  • Oops Forgiveness—each calendar year, you can request to have up to two overdraft fees refunded
  • Free online banking and telephone banking
  • Free mobile banking—download our free app in the App Store or Android Market

The cool FREE stuff just for you

  • Free ATMs nationwide—use any ATM and we will refund up to $4 per transaction fee directly into your checking account, including Guardian’s fee. Simply save your ATM receipts from other financial institutions and return them to us. Members are allowed two refunds per month. Stop by any Guardian Credit Union Branch and see a Member Service Consultant to request an ATM fee refund.

Optional Round-Up your savings

Round-Up savings for the Young & Free Checking account is the automagic way to save! Every time you swipe your debit card your total is rounded up to the next dollar amount and the “change” is put into a special savings account. You are saving money without thinking about it. But that is not all; you can also make money with this checking account. Guardian will match the total rounded up amount in the special savings account* by 50% the first 30 days and 5% every month after that, up to $300 per year. Dividends are paid quarterly on the special savings account. 

  • Special Savings account earns interest at same rate as a Traditional Savings account.
  • Must Sign up for eStatements to receive monthly match
  • Only the rounded up money can be deposited into the special savings account; however money can be withdrawn from it at any time.

Interested? Contact us to add this feature to your Young & Free Checking account.


Auto Loans

Consumer Loans

Getting a loan, regardless of the type does not have to be a hassle. Let Guardian give you a loan with competitive interest rates. We offer loans for new and used cars, vans, trucks, SUVs and motorcycles. We can even finance recreational vehicles, boats and farm equipment!

Member benefits

  • Option to finance at many local and surrounding area dealerships through our preferred dealer program or in person at Guardian Credit Union
  • Competitive rates
  • Flexible financing options for both new and used vehicles
  • Easy payment options

Get pre-approved!

Get pre-approved and save time and effort on the car lot! Getting pre-approved will ensure you get the best rate possible from Guardian Credit Union. Pre-approval will also give you an idea on how much money you can actually spend on your new vehicle. Get your pre-approval by stopping by one of Guardian’s branches or visit the Guardian website

On-the-spot financing available

With our Preferred Dealer Program, there is no need to worry if you do not have time to get pre-approved—simply tell the salesman you want to finance your vehicle through Guardian Credit Union and he can take care of everything right there at the dealership. Check out our list of preferred dealers.

Even if your dealership is not affiliated with our Preferred Dealer Program, you can still finance with Guardian. Simply stop by one of our branches and get pre-approved for a loan to purchase a vehicle at any dealership. 

Already have a loan with another financial institution?

No problem! Guardian Credit Union will refinance your current loan and match any rate.


VISA Credit Cards

A VISA card allows you to make purchases at over 24 million locations with safety and convenience—no need to carry cash. 

Our Guardian VISA is accepted at businesses worldwide wherever you see the trademark VISA logo. 

  • No annual fees
  • Low fixed rates
  • Online account management 
  • Free bill pay

VISA credit card options

  • Classic Visa: 
    – Credit limit up to $2,500
  • Visa Gold: 
    – Fixed rate, no annual fees and credit limit up to $7,500
  • Visa Platinum:
    – Credit limit up to $10,000

Student Loans

With college costs growing fast, it's time to borrow smarter. The Smart Option Student Loan® offers three repayment options and competitive interest rates to help you pay for college expenses not covered by scholarships and federal loans.

Quick Links

Interested in learning more?

If you are between 18 and 25 years of age, you qualify! Complete the interest form below. We'll follow-up with an email with more information or an appointment with the branch location of your choice. (Find the Guardian Credit Union location nearest you.)

Fill out my online form.

Why choose Guardian Credit Union?

Guardian exists to serve its membership—it's that simple

Guardian Credit Union exists to help people understand money matters everyday. Since 1958, Guardian has been helping members understand their money matters and providing solutions to fit their needs. As a not-for-profit, we exist for the benefit of our membership and honor that commitment by paying competitive dividends on savings accounts and offering attractive interest rates on loans. 

Amazing access

Guardian provides 365, 24, 7 access through online, mobile and more. You can even start your relationship or open a new account online. We serve our community with nine branches and thousands of free ATMs nationwide.

Who can join?

As a credit union, you must qualify for membership with us. But no worries… it’s easy. If you live, work, worship, volunteer or attend school in Autauga, Butler, Chilton, Coosa, Crenshaw, Elmore, Lee, Lownds, Macon, Montgomery, Russell, or Tallapoosa counties, you’re eligible. You also qualify if you are related by blood or marriage to someone who qualifies. So why not get started right now? Join online.

Know more by visiting

Guardian advantages

Member ownership

We are owned by members and are part of the community. That gives members a say in our business.

Deposits guaranteed

As a federally ensured credit union, governed by the National Credit Union Administration (NCUA), the National Credit Union Share Insurance Fund (NCUSIF) insures your shares up to $250,000. 

Exceptional service

Our service is powered by the knowledge and experience of a fantastic team. Every one of them dedicated to helping you improve your financial well-being.

Local decision making

Staying close to the people we serve is fundamental to our success. With eight locations, we can adapt quickly to meet the needs of our members.