Coming soon in 2018! We are proud to announce that in 2018 we will start offering Valiant Checking to our younger members ages 13-17. There's no-minimum balance required, and these accounts are covered by free overdraft protection from savings. Each member receives one free box of 50 checks and will be able to easily manage this account via mobile devices.
Can't make it to a branch? Don't want to mail in your checks? With Guardians Credit Union's Remote Deposits, depositing checks is as easy as a few taps on your mobile device from wherever, whenever!
Remote Deposits allow you to take a picture of your check on your phone and transmit the scanned images to Guardians CU for secured posting and clearing. This saves you time, energy and money while also allowing faster accessibility to your funds.
Who can enroll?
Eligibility requirements for using Guardians CU's Remote Deposits are:
Account is not classified as dormant
Account has a current mailing address
No charged-off accounts
Account must be opened for 30 or more days
Start saving time and sign up for Remote Deposits today!
Did You Know About Our Credit/ Savings Builder Loan?
Building your credit is important. Our Credit/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/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Once the loan is repaid in full, funds can be withdrawn from the savings account as desired!
Never worry about running out of time to get to a branch. The Guardians Mobile Banking app offers convenient banking right from your phone, including making transfers and obtaining instant balances.
Keep an eye out for the 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.
The Top 10 Retirement Planning Excuses
Ten common “reasons” why someone does not plan for retirement.
#10: "I'm too busy"
Stop procrastinating. How does the saying go? The best time to plant a tree is 30 years ago. The second best time is ... TODAY.
#9: "It’s too soon"
It's NEVER too soon. The sooner you start planning, the better chance you stand of having the kind of retirement you want.
#8: "It’s too late"
Think again. Even if you've already retired, it's important to consider how you're receiving income and how long it will last.
#7: "I don’t need to"
This one baffles me. If you're simply giving monthly to a savings account and hoping for the best, you may be in for an unpleasant surprise someday.
#6: "I don't have enough money to get started"
Starting small is better than not starting at all, and if you plan well, you'll eventually have more to work with.
#5: "My finances are a mess"
Consider speaking with a Financial Professional who can look at your complete financial picture and help you to develop a plan to make your "mess" work for you.
#4: "The Government will take care of me"
If you're planning to retire on Social Security alone, I would advise you to create a back-up plan at the very least.
#3: "Between my savings and my 401(k), I'll be fine"
Saving for retirement without an income distribution plan could be a mistake. Have you considered inflation? Taxes? If you live to 100, will the money last?
#2: "I don't want to think about it"
If you bite the bullet now and put a firm plan in motion, you may not have to think about it again for quite some time.
#1: "I don’t know how"
If you knew everything there was to know about financial planning, you'd probably be a financial advisor yourself. If you're putting off retirement planning because you don't know how to begin, consider speaking to a professional who does.