2. Gardiner Federal Credit Union

Gardiner Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.94%5-year CD
3.00% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
1.51%1-year CD
2.70% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.10%Savings
2.20% - Barclays Online Savings AccountAdvertisement
View all Gardiner Federal Credit Union rates »

Overview / Commentary
www.gardinerfcu.org
207-582-2676
420 Brunswick Avenue
Gardiner, ME 04345

Gardiner Federal Credit Union is headquartered in Gardiner and is the 44th largest credit union in the state of Maine. It is also the 2,314th largest credit union in the nation. It was established in 1953 and as of December of 2018, it had grown to 13 employees and 4,991 members at 1 location. Gardiner Federal Credit Union's savings rates are 92% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Kennebec County, Lincoln County, or the towns of Richmond and Palermo.
See current membership details

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Health
A

Data as of Q4 2018

Learn why bank health matters
Additional Factors: Institutions with a small asset base, a short operating history, or negative return on assets can represent an instability risk beyond what their financial ratios indicate. Gardiner Federal Credit Union has a relatively low asset base.

Health Grade Components

Overall
NCUA #8367
Year Chartered1953
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.47%
Return on Equity - YTD10.6%
Annual Interest Income$2.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$50.1MM$47.8MM
LoansQ4 2018vs Q4 2017$35.7MM$34.8MM
DepositsQ4 2018vs Q4 2017$43.0MM$41.3MM
Equity CapitalQ4 2018vs Q4 2017$6.9MM$6.2MM
Loan Loss AllowanceQ4 2018vs Q4 2017$92.00K$88.00K
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$222.00K$71.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$9.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Gardiner Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%*$100k*-Hi-Yield Share Account
OTHER TIERS: 0.85% → $2k - $25k | 0.90% → $25k - $50k | 0.95% → $50k - $100k
0.50%--IRA Share Account
0.15%--Share Savings Account
0.15%--Youth Account
0.10%--All Purpose Club Account
0.10%--Christmas Club Account
0.10%--Vacation Club Account
0.10%--Tax Club Account

Gardiner Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.94%$500-60 Month Share Certificate
2.68%$500-48 Month Share Certificate
2.43%$500-36 Month Share Certificate
2.02%$500-24 Month Share Certificate
1.71%$500-15 Month Share Certificate
1.51%$500-12 Month Share Certificate
1.26%$500-6 Month Share Certificate
1.16%$500-3 Month Share Certificate

Gardiner Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.94%$500-60 Month IRA Certificate
2.68%$500-48 Month IRA Certificate
2.43%$500-36 Month IRA Certificate
2.02%$500-24 Month IRA Certificate
1.71%$500-15 Month IRA Certificate
1.51%$500-12 Month IRA Certificate
1.26%$500-6 Month IRA Certificate
1.16%$500-3 Month IRA Certificate
Locations


Gardiner Federal Credit Union Locations
Branch Office420 Brunswick AveGardiner, ME 04345-2836

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