Gardiner Federal Credit Union

Popular Accounts at this Credit Union

APY	ACCOUNT TYPE	ACCOUNT NAME
2.02%	5-year CD	60 Month Share Certificate 3.00% - Ally Bank High Yield 5 Year CD
0.85%	1-year CD	12 Month Share Certificate 2.45% - Synchrony Bank 12 Month CD
0.15%	Savings	Share Savings Account 1.75% - American Express National Bank High Yield Savings Account

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 45^th largest credit union in the state of Maine. It is also the 2,340^th largest credit union in the nation. It was established in 1953 and as of March of 2018, it had grown to 14 employees and 4,999 members at 1 location. Gardiner Federal Credit Union's savings rates are 15% higher than the national average, and it 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.
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Health

B+

Data as of Q1 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 low asset base.

Health Grade Components

Overall
NCUA #	8367
Year Chartered	1953
Employees	14
Primary Regulator

Profit Margin
Return on Assets - YTD	1.38%
Return on Equity - YTD	10.65%
Annual Interest Income	$485.00K

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$50.0MM$46.7MM
Loans	Q1 2018vs Q1 2017	$34.4MM$32.8MM
Deposits	Q1 2018vs Q1 2017	$43.3MM$40.5MM
Equity Capital	Q1 2018vs Q1 2017	$6.3MM$5.7MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$79.00K$90.00K
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$74.00K$154.00K
Real Estate Owned	Q1 2018vs Q1 2017	$9.00K$0

Rates

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Savings
CD
IRA

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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

APY	MIN	MAX	ACCOUNT NAME
0.60%^*	$100k^*	-	Hi-Yield Share Account
OTHER TIERS: 0.45% → $2k - $25k \| 0.50% → $25k - $50k \| 0.55% → $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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

Locations

Gardiner Federal Credit Union Locations
Branch Office	420 Brunswick Ave	Gardiner, ME 04345-2836

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