Featured Savings Rates
Featured Accounts

Gardiner Federal Credit Union

Popular Accounts at this Credit Union

2.02%5-year CD60 Month Share Certificate
0.85%1-year CD12 Month Share Certificate
0.15%SavingsShare Savings Account

Overview / Commentary
420 Brunswick Avenue
Gardiner, ME 04345

Gardiner Federal Credit Union is headquartered in Gardiner and is the 45th largest credit union in the state of Maine. It is also the 2,367th largest credit union in the nation. It was established in 1953 and as of December of 2017, it had grown to 14 employees and 4,999 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


No reviews have been left for this bank yet. Be the first to review.

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

NCUA #8367
Year Chartered1953
Primary Regulator
Profit Margin
Return on Assets - YTD1.31%
Return on Equity - YTD10.1%
Annual Interest Income$1.9MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$47.8MM$44.5MM
LoansQ4 2017vs Q4 2016$34.8MM$32.6MM
DepositsQ4 2017vs Q4 2016$41.3MM$38.6MM
Equity CapitalQ4 2017vs Q4 2016$6.2MM$5.6MM
Loan Loss AllowanceQ4 2017vs Q4 2016$88.00K$74.00K
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$71.00K$73.00K
Real Estate OwnedQ4 2017vs Q4 2016$9.00K$0
Skip to rates for:
Report an Issue

Always verify rates and promotions with the bank or credit union. We are not Gardiner Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.55%*$100k*-Hi-Yield Share Account
OTHER TIERS: 0.40% $2k - $25k | 0.45% $25k - $50k | 0.50% $50k - $100k
0.50%--IRA Share Account
0.15%--Share Savings Account
0.15%--Youth Account
0.10%--All Purpose Club Account

Gardiner Federal Credit Union CD Rates

2.02%$500-60 Month Share Certificate
1.71%$500-48 Month Share Certificate
1.51%$500-36 Month Share Certificate
1.21%$500-24 Month Share Certificate
1.01%$500-15 Month Share Certificate
0.85%$500-12 Month Share Certificate
0.65%$500-6 Month Share Certificate
0.45%$500-3 Month Share Certificate

Gardiner Federal Credit Union IRA Rates

2.02%$500-60 Month IRA Certificate
1.71%$500-48 Month IRA Certificate
1.51%$500-36 Month IRA Certificate
1.21%$500-24 Month IRA Certificate
1.01%$500-15 Month IRA Certificate
0.85%$500-12 Month IRA Certificate
0.65%$500-6 Month IRA Certificate
0.45%$500-3 Month IRA Certificate

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