Due to the unknown threat of the coronavirus pandemic, and for the safety and security of our members and staff, all lobbies are closed and we are operating with modified drive-thru hours. Please refer to our complete operational schedule for more details.
We are committed to our members and WILL be available to serve all your member service and loan needs through remote processes during regular business hours. Please call (561) 686-4006 or 1-800-834-3495 for service. Additionally, you may also access your accounts 24/7 via CU Online or Mobile Banking. Lastly, you have access to a vast surcharge-free ATM Network 24/7 as well.
Win a $2,000 Scholarship
We're currently accepting applications for the Ruth and Lake Lytal Memorial Scholarship. This year, two $2,000 college scholarships will be awarded to two qualifying members. Applications are available at any of our branches, or you may download a copy of the application online. Completed applications can be returned to any Guardians Credit Union branch.
The deadline for accepting applications is Friday, May 29, 2020. Scholarships will be awarded based on academic achievement, community involvement and financial need. Good luck!
Important Regulation CC changes will take effect July 1, 2020.
Funds Availability Schedule
Description of Deposit
When Funds Can Be Withdrawn
Direct Deposits: Cash
The day we receive the deposit
Wire transfers; Cashier's, Certified, Teller's or Government Checks; and the first $225.00 of a day's deposits of other checks
The first business day after the day of the deposit
The second business day after the day of the deposit
Longer delays may apply. Please refer to our rules governing funds availability for details.
Take Advantage of CO-OP Shared Services
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:
See if you are prepared to begin your retirement by answering four key questions. Provided by Jack Ramsay
How do you know you are psychologically ready to retire?
As a start, ask yourself four questions.
Is your work meaningful?
If it is emotionally and psychologically fulfilling, if it gives you a strong sense of purpose and identity, there may be a voice inside your head telling you not to retire yet. You may want to listen to it.
It can be tempting to see retirement as a "finish line": no more long workdays, long commutes, or stressful deadlines. But it is really a starting line: the start of a new phase of life. Ideally, you cross the "finish line" knowing what comes next, what will be important to you in the future.
Do you value work or leisure more at this point in your life?
If the answer is leisure, score one for retirement. If the answer is work, maybe you need a new job or a new way of working rather than an exit from your company or your profession.
An old saying says that retirement feels like "six Saturdays and a Sunday." Fantastic, right? It is, as long you don't miss Monday through Friday. Some people really enjoy their careers; you may be one of them.
Where do your friends come from?
If very little of your social life involves the people you work with, then score another point for retirement. If your friends are mainly your coworkers, those friendships may be tested if you retire (and you may want to try to broaden your social circle for the future).
At a glance, it might seem that an enjoyable retirement requires just two things: sufficient income and sufficient return on your investments. These factors certainly promote a nice retirement, but there are also other important factors: your physical health, your mental health, your relationships with family and friends, your travels and adventures, and your outlets to express your creativity. Building a life away from work is a plus.
What do you think your retirement will be like?
If you think it will be spectacularly different from your current life, ask yourself if your expectations are realistic. If after further consideration they seem unrealistic, you may want to keep working for a while until you are in a better financial position to try and realize them or until your expectations shift.
Ideally, you retire when you are financially, emotionally, and psychologically ready. The era of the "organization man" retiring with a gold watch and a party at 65 is gone; the cultural forces that encouraged people to stop working at a certain age aren't as strong as they once were.
Why you are retiring is as important as when you choose to retire. When you are motivated to retire, you see retirement as a beginning rather than an end.