Featured Savings Rates
Featured Accounts

Gardiner Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.87%5-year CD60 Month Share Certificate
0.71%1-year CD12 Month Share Certificate
0.15%SavingsShare Savings Account

Overview / Commentary
207-582-2676
420 Brunswick Avenue
Gardiner, ME 04345

Gardiner Federal Credit Union is headquartered in Gardiner and is the 47th largest credit union in the state of Maine. It is also the 2,452nd largest credit union in the nation. It was established in 1953 and as of December of 2016, it had grown to 13 employees and 5,103 members at 1 location. Gardiner Federal Credit Union has a B+ 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
B+
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 low asset base.

Health Grade Components

Overall
NCUA #8367
Year Chartered1953
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.06%
Return on Equity - YTD8.42%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ4 2016vs Q4 2015$44.5MM$42.6MM
LoansQ4 2016vs Q4 2015$32.6MM$29.9MM
DepositsQ4 2016vs Q4 2015$38.6MM$37.0MM
Equity CapitalQ4 2016vs Q4 2015$5.6MM$5.1MM
Loan Loss AllowanceQ4 2016vs Q4 2015$74.00K$53.00K
Unbacked Noncurrent LoansQ4 2016vs Q4 2015$73.00K$64.00K
Real Estate OwnedQ4 2016vs Q4 2015$0$162.00K
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
0.50%--IRA Share Account
0.35%*$100k*-Hi-Yield Share Account
OTHER TIERS: 0.20% $2k - $25k | 0.25% $25k - $50k | 0.30% $50k - $100k
0.15%--Share Savings Account
0.15%--Youth Account
0.10%--All Purpose Club Account
0.10%--Christmas Club Account

Gardiner Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.87%--60 Month Share Certificate
1.61%--48 Month Share Certificate
1.31%--36 Month Share Certificate
1.00%--24 Month Share Certificate
0.80%--15 Month Share Certificate
0.71%--12 Month Share Certificate
0.50%--6 Month Share Certificate
0.30%--3 Month Share Certificate

Gardiner Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.87%--60 Month IRA Certificate
1.61%--48 Month IRA Certificate
1.31%--36 Month IRA Certificate
1.00%--24 Month IRA Certificate
0.80%--15 Month IRA Certificate
0.71%--12 Month IRA Certificate
0.50%--6 Month IRA Certificate
0.30%--3 Month IRA Certificate
Locations


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