2. Gardiner Federal Credit Union

Gardiner Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEHOW THEY COMPARE
2.78%5-year CD
3.10% - Barclays 60 Month Online CDAdvertisement
1.36%1-year CD
2.75% - Barclays 12 Month Online 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 2,328th largest credit union in the nation. It was established in 1953 and as of September of 2018, it had grown to 13 employees and 5,022 members at 1 location. Gardiner Federal Credit Union's savings rates are 63% 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.
See current membership details

Reviews

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Health
B+

Data as of Q3 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 Chartered1953
Employees13
Primary Regulator
Profit Margin
Return on Assets - YTD1.4%
Return on Equity - YTD10.46%
Annual Interest Income$1.5MM
Assets and Liabilities
AssetsQ3 2018vs Q3 2017$49.8MM$47.3MM
LoansQ3 2018vs Q3 2017$35.7MM$34.0MM
DepositsQ3 2018vs Q3 2017$42.7MM$41.1MM
Equity CapitalQ3 2018vs Q3 2017$6.7MM$6.0MM
Loan Loss AllowanceQ3 2018vs Q3 2017$84.00K$90.00K
Unbacked Noncurrent LoansQ3 2018vs Q3 2017$141.00K$117.00K
Real Estate OwnedQ3 2018vs Q3 2017$0$7.00K
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
0.85%*$100k*-Hi-Yield Share Account
OTHER TIERS: 0.70% → $2k - $25k | 0.75% → $25k - $50k | 0.80% → $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
2.78%$500-60 Month Share Certificate
2.53%$500-48 Month Share Certificate
2.27%$500-36 Month Share Certificate
1.87%$500-24 Month Share Certificate
1.56%$500-15 Month Share Certificate
1.36%$500-12 Month Share Certificate
1.11%$500-6 Month Share Certificate
1.01%$500-3 Month Share Certificate

Gardiner Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.78%$500-60 Month IRA Certificate
2.53%$500-48 Month IRA Certificate
2.27%$500-36 Month IRA Certificate
1.87%$500-24 Month IRA Certificate
1.56%$500-15 Month IRA Certificate
1.36%$500-12 Month IRA Certificate
1.11%$500-6 Month IRA Certificate
1.01%$500-3 Month IRA Certificate
Locations


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

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