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Screenshot of Guardians Mobile Banking App on an iPhone

Mobile Banking

Never worry about running out of time to get to a branch. Guardians Mobile Banking app offers convenient banking right from your phone, including making transfers and obtaining instant balances.

Keep an eye out for Guardians Mobile Banking app, available in the App Store and in the Google Play Store. As your financial institution, we're encouraging you to go far, and we're promising to be with you every step of the way. Guardians Credit Union, On Duty for You.

Guardians Credit Union logo on an iPad below an E-Statements banner


Sign up for e-statements to access electronic versions of your monthly statement right through CU Online. Signing up is easy — just go to "Your Preferences" in CU Online and select "Electronic" in the drop down menu under "Services." Click "Yes" to save the settings, and you'll be enrolled!

Signing up for e-statements also allows members to avoid the paper statement fee.

Banner showing Credit/Savings Builder Loan features: Loan amounts from $500-$10,000 and affordable APR of 4.00% (above the current savings rate)

Credit/Savings Builder Loan

Building your credit is important. Our Credit Builder/Savings Builder loan is designed to help members with no credit, little credit, or unfavorable credit. The loan is used to build or rebuild your credit score. By improving your credit score, you are likely to get better rates on loans, and save a lot of money in the process! Your successful payment history will then be reported to the credit bureaus, which can positively impact your credit score.

Features of the Credit Builder/Savings Builder:

  • Members request a loan amount of $500–$10,000
  • Affordable APR1 of 4.00% above the current share savings rate
  • The approved loan amount is placed in a Guardians CU savings account, not eligible for withdraw, where it will earn interest
  • Terms up to 60 months
  • Once the loan is repaid in full, funds can be withdrawn from the savings account as desired!

Apply now, call us or stop by any Guardians CU branch location!

CO-OP Shared Branches

There's always a branch within reach!

Guardians Credit Union appreciates that you love 'banking' with us and that's why we provide you with access to a network of over 5,500 credit union branches nationwide. In other words wherever you live, work, or play. To find the nearest branch:

  • Visit Locations & Hours and click Shared Branching in the Useful Links menu.
  • Download the CO-OP Shared Branch App, or
  • Text a Zip Code to 91989 to find nearby ATM and Shared Branch Locations. SB = Shared Branch SBX = Shared Branch express, or
  • Call 888-748-3266 to find a location by phone.

Not familiar with the benefits of Shared Branching? This quick video overview offers a great explanation!

Have You Budgeted for Retirement?

Provided by Jack Ramsay.

It's important to think about what you'll need in retirement before you retire.

Run the numbers. Often people need about 70–80% of their end salaries in retirement, but this can vary. So years before you leave work, sit down for an hour or so (perhaps with the financial professional you know and trust) and take a look at your probable monthly expenses. Online calculators can help.1

The closer you get to your retirement date, the more exact you will need to be about your income needs. You first want to look for changing expenses: housing costs that might decrease or increase, health care costs, certain taxes, travel expenses and so on. Next, look at your probable income sources: Social Security (the longer you wait, the more income you can potentially receive), your assorted IRAs and 401(k)s, your portfolio, possibly a reverse mortgage or even a pension or buyout package.

While selling your home might leave you with more money for retirement, there are less dramatic ways to increase your retirement funds. You could realize a little more money through tax savings and tax-efficient withdrawals from retirement savings accounts, through reducing your investment fees, and getting your phone, internet and TV services from one provider.

Budget-wreckers to avoid.

There are a few factors that can cause you to stray from a retirement budget. You can't do much about some of them (sudden health crises, for example), but you can try to mitigate others.

  • Supporting your kids, grandkids or relatives with gifts or loans.
  • Withdrawing more than your portfolio can easily return.
  • Dragging big debts into retirement that will nibble at your savings.

Budget well and live wisely. Creating a retirement budget makes a lot of sense. A well thought-out budget, (and the discipline to stick with it), may make a big financial difference. For help with budgeting for retirement, speak to a qualified Financial Professional.

Jack Ramsay may be reached at 561-686-4006, ext. 1120 or [5/12/11]

Representatives are registered, securities are sold, and investment advisory services offered through CUNA Brokerage Services, Inc. (CBSI), member FINRA/SIPC, a registered broker/dealer and investment advisor, 2000 Heritage Way, Waverly, Iowa 50677, toll-free 800-369-2862. Nondeposit investment and insurance products are not federally insured, involve investment risk, may lose value and are not obligations of or guaranteed by the financial institution. CBSI is under contract with the financial institution, through the financial services program, to make securities available to members.

This material was prepared by MarketingLibrary.Net Inc., and does not necessarily represent the views of the presenting party, nor their affiliates. This information should not be construed as investment, tax or legal advice. All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy.