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Gardiner Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Overview / Commentary
gardinerfcu.org
207-582-2676
420 Brunswick Avenue
Gardiner, ME 04345

Gardiner Federal Credit Union is headquartered in Gardiner and is the 40th largest credit union in the state of Maine. It is also the 1,940th largest credit union in the nation. It was established in 1953 and as of March of 2025, it had grown to 14 employees and 5,364 members at 2 locations. Gardiner Federal Credit Union's CD rates are 5X the national average, and it has an A health rating.

Field of Membership Restrictions

Gardiner Federal Credit Union is open to anyone who lives, works, worships or goes to school in the Maine counties of Kennebec or Lincoln, or the Maine towns of Palermo or Richmond. Immediate family and household members are also eligible to join.
See current membership details

Reviews

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Health
A

Data as of Q1 2025

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
Employees14
Primary Regulator
Profit Margin
Return on Assets - YTD1.71%
Return on Equity - YTD10.77%
Annual Interest Income$1.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$88.6MM$83.7MM
LoansQ1 2025vs Q1 2024$54.8MM$47MM
DepositsQ1 2025vs Q1 2024$74.2MM$71.2MM
Equity CapitalQ1 2025vs Q1 2024$13.7MM$12MM
Loan Loss AllowanceQ1 2025vs Q1 2024$99K$98K
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$3K$158K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
3.50%
Our Rating
4.4  / 5
Capital One
360 Performance Savings
See Offer
Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.31%
Our Rating
4.0  / 5
Vio Bank
Cornerstone Money Market
See Offer
Sponsored Note: Interest is compounded daily, growing your money fast
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/5/2025
4.00%
Our Rating
4.2  / 5
CIT Bank
Platinum Savings
See Offer
Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.17%*$100k*-Hi-Yield Share Account
OTHER TIERS: 1.76% → $2k - $25k | 1.87% → $25k - $50k | 2.07% → $50k - $100k
0.10%$0-Share Savings Account
0.10%$0-Youth Account
0.10%$0-All Purpose Club Account
0.10%$0-Christmas Club Account
0.10%$0-Vacation Club Account
0.10%$0-Tax Club Account

Gardiner Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.44%$500-24 Month Share Certificate
4.33%$500-15 Month Share Certificate
4.07%$500-12 Month Share Certificate
3.87%$500-60 Month Share Certificate
3.82%$500-48 Month Share Certificate
3.76%$500-36 Month Share Certificate
3.55%$500-6 Month Share Certificate
3.30%$500-3 Month Share Certificate

Gardiner Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.44%$500-24 Month IRA Certificate
4.33%$500-15 Month IRA Certificate
4.07%$500-12 Month IRA Certificate
3.87%$500-60 Month IRA Certificate
3.82%$500-48 Month IRA Certificate
3.76%$500-36 Month IRA Certificate
3.55%$500-6 Month IRA Certificate
3.30%$500-3 Month IRA Certificate
0.20%$0-IRA Share Account
Locations


Gardiner Federal Credit Union Locations
Branch Office420 Brunswick AveGardiner, ME 04345-2836
Corporate Office316 W River RdAugusta, ME 04330-3992

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