GCF Bank

301 Greentree Road
Sewell, NJ 8080
1-877-589-6600
www.gcfbank.com

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GCF Bank is headquartered in Sewell and is the 61^st largest bank in the state of New Jersey. It is also the 1,947^th largest bank in the nation. It was established in 1921 and as of March of 2012, it had grown to 64 employees at 4 locations. GCF Bank has a 4-star health rating.

GCF Bank Routing Number: 231271145

Rate Cuts - ING Direct, WaMu, E*Trade, UFB Direct & Others - 12/18/2008

I'm afraid many banks are not wasting any time cutting deposit rates after Tuesday's historic Fed rate cut. Checking, savings and CD rates are all going down.One interesting thing to note is that ING Direct didn't cut their Orange Savings account yield....

CyberSaver Account with a High Yield 90-Day Intro at GCF Bank - 1/31/2008

Update 2/5/08: The intro yield has fallen to 4.47% APY. Standard rates have also fallen. The yields are now 2.52% APY for balances under $25K and 3.96% APY for balances over $25K. Please check with the bank's website for the latest rates.GCF Bank has a...

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See Rates for: Checking | Savings | Money Market | CD | IRA

GCF Bank Checking Account Rates

	Apy	Min	Max	Product
	0.02%	$300	-	NOW Checking Account

GCF Bank Savings Account Rates

Apy	Min	Max	Product
0.30%	-	-	Holiday Club Account
0.17%	$200k	-	CyberSaver Gold Account
0.15%	$100	-	CyberSaver Promo Account
0.15%	$100k	-	CyberSaver Supreme Account
0.13%	$25k	$100k	CyberSaver Account
0.08%	$100	-	Passbook Savings Account
0.08%	$100	-	Statement Savings Account

GCF Bank Money Market Rates

Apy	Min	Max	Product
0.06%	$100k	-	Money Maker Account
0.03%	$2,500	-	MMDA

GCF Bank CD Rates

Apy	Min	Max	Product
1.51%	$500	-	7 Year CD
1.28%	$500	-	5 Year CD
1.26%	$100k	-	5 Year CYBER CDARS CD
1.07%	$500	-	3 1/2 Year CD
1.02%	$500	-	3 Year CD
1.00%	$100k	-	5 Year CYBER CDARS Rollover CD
0.56%	$500	-	2 1/2 Year CD
0.50%	$2,500	-	2 Year WiseChoice CD
0.50%	$100k	-	3 Year CYBER CDARS CD
0.35%	$500	-	1 1/2 Year CD
0.35%	$100k	-	2 Year CYBER CDARS CD
0.35%	$100k	-	3 Year CYBER CDARS Rollover CD
0.27%	$500	-	15 Month CD
0.25%	$500	-	1 Year CD
0.20%	$100k	-	52 Week CYBER CDARS CD
0.15%	$500	-	9 Month CD
0.15%	$100k	-	2 Year CYBER CDARS Rollover CD
0.12%	$500	-	6 Month CD
0.10%	$500	-	91 Day CD
0.10%	$100k	-	26 Week CYBER CDARS CD
0.10%	$100k	-	52 Week CYBER CDARS Rollover CD
0.07%	$100k	-	13 Week CYBER CDARS CD
0.07%	$100k	-	26 Week CYBER CDARS Rollover CD
0.03%	$100k	-	4 Week CYBER CDARS CD
0.03%	$100k	-	13 Week CYBER CDARS Rollover CD
0.02%	$100k	-	4 Week CYBER CDARS Rollover CD

GCF Bank IRA Rates

Apy	Min	Max	Product
1.51%	$500	-	7 Year IRA
1.51%	$500	-	7 Year Roth IRA
1.28%	$500	-	5 Year IRA
1.28%	$500	-	5 Year Roth IRA
1.07%	$500	-	3 1/2 Year IRA
1.07%	$500	-	3 1/2 Year Roth IRA
1.02%	$500	-	3 Year IRA
1.02%	$500	-	3 Year Roth IRA
0.56%	$500	-	2 1/2 Year IRA
0.56%	$500	-	2 1/2 Year Roth IRA
0.50%	$500	-	2 Year IRA
0.50%	$500	-	2 Year Traditional IRA
0.50%	$500	-	2 Year Roth IRA
0.36%	$500	-	1 1/2 Year IRA
0.36%	$500	-	1 1/2 Year Roth IRA
0.27%	$500	-	15 Month IRA
0.27%	$500	-	15 Month Roth IRA
0.25%	$500	-	1 Year IRA
0.25%	$500	-	1 Year Roth IRA
0.12%	$500	-	6 Month IRA
0.12%	$500	-	6 Month Roth IRA
0.10%	$500	-	91 Day IRA
0.10%	$500	-	91 Day Roth IRA

Rates updated: 5/25/2012

Data for Q1 2012

Institution Statistics

GCF Bank
OTS #	00940
FDIC Certificate #	28126
BankRate Report	View
Year Established	1921
Employees	64
Primary Regulator	OCC
Assets and Liabilities
Assets	$335.37 million
Loans	$216.67 million
Deposits	$296.80 million
Equity Capital	$28.29 million
Loan Loss Allowance	$2.75 million
Unbacked Noncurrent Loans	$2.79 million
Real Estate Owned	$719,000
Historic Data - March 2011
Assets	$343.52 million
Equity Capital	$27.54 million
Loan Loss Allowance	$2.20 million
Unbacked Noncurrent Loans	$3.20 million
Real Estate Owned	$832,000
Profit Margin - Quarterly
Net Interest Margin	3.39%
Return on Assets	-0.18%
Return on Equity	-2.08%
Interest Income	$3.57 million

Institution Health

Overall Score:

4 out of 5

Texas Ratio
The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of March 31, 2012 GCF Bank had $3.51 million in non-current loans and owned real-estate with $31.04 million in equity and loan loss allowances on hand to cover it. This gives GCF Bank a Texas Ratio of 11.29% which is above average. Any bank with a Texas Ratio near or greater than 100% is considered at risk.
Texas Ratio Trend
The Texas Ratio for GCF Bank decreased slightly from 13.54% as of March 31, 2011 to 11.29% as of March 31, 2012, resulting in a positive change of 16.62%.This indicates that the balance sheet and financial strength for GCF Bank has improved slightly in recent periods.
Deposit Growth
In the past year, GCF Bank has decreased its total deposits by -$8.79 million, resulting in -2.88% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth GCF Bank has shown is below average.
Capitalization
Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. GCF Bank has $335.37 million in assets with $31.04 million in equity, resulting in a capitalization level of 9.26%, which is average.