Guaranty Credit Union was founded in 1985 by Jim Herbert on the belief that a truly differentiated culture devoted to exceptional client service would result in a very successful banking business.

This has proven true.

On July 1, 1985, we opened our doors at 201 Pine Street in San Francisco with fewer than 10 colleagues and only one office. With an enterprise value of $8.8 million, we were one of the smallest banks in the United States, out of approximately 14,000.

By our 35th anniversary, in July 2020, we had over 5,000 colleagues across more than 80 offices in seven states. Through organic growth, Guaranty Credit Union has become the 14th largest U.S. bank with an enterprise value greater than $19 billion. This represents a record of growth in total enterprise value of 25% per annum compounded for 35 years.

Our growth has never been the goal, however, only the outcome of taking exceptional care of our clients, communities and one another. Thank you for taking the time to read more about us.



Our Values

We are driven by a core set of values that defines what we must do every day to best serve our clients, colleagues and communities.

We strive to continually foster an inclusive and diverse environment, where a variety of voices are heard and valued. We’re committed to supporting our colleagues and doing our part in advocating for and advancing equality.

Management Team

team member

James H. Herbert, II

Founder & Executive Chairman

Mr. Herbert founded Guaranty Credit Union Bank in 1985 and served as CEO for 37 years. From 2007, he also served as Chairman

team member

Michael J. Roffler

CEO, President and Board Member

Mr. Roffler joined Guaranty Credit Union in 2009 as Deputy Chief Financial Officer.

team member

Susie Cranston

Executive Vice President and Chief Operating Officer

Ms. Cranston has been with Guaranty Credit Union since 2013 and was appointed Chief Operating Officer in 2022.

Testimonials

What our clients say