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  2. Gardiner Federal Credit Union

Gardiner Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.76%5-year CD60 Month Share Certificate
1.85% - Synchrony Bank 60 Month CDAdvertisement
0.65%1-year CD12 Month Share Certificate
1.05% - Ally Bank High Yield 12-Month CDAdvertisement
0.15%SavingsShare Savings Account
1.00% - Ally Bank 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 47th largest credit union in the state of Maine. It is also the 2,497th largest credit union in the nation. It was established in 1953 and as of June of 2016, it had grown to 13 employees and 5,204 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+

Data as of Q2 2016

Learn more about bank health
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 - YTD0.87%
Return on Equity - YTD6.98%
Annual Interest Income$830.00K
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$42.3MM$41.3MM
LoansQ2 2016vs Q2 2015$31.1MM$28.4MM
DepositsQ2 2016vs Q2 2015$36.5MM$36.1MM
Equity CapitalQ2 2016vs Q2 2015$5.3MM$4.9MM
Loan Loss AllowanceQ2 2016vs Q2 2015$69.00K$56.00K
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$52.00K$107.00K
Real Estate OwnedQ2 2016vs Q2 2015$64.00K$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
1.76%--60 Month Share Certificate
1.51%--48 Month Share Certificate
1.26%--36 Month Share Certificate
0.90%--24 Month Share Certificate
0.75%--15 Month Share Certificate
0.65%--12 Month Share Certificate
0.40%--6 Month Share Certificate
0.20%--3 Month Share Certificate

Gardiner Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.76%--60 Month IRA Certificate
1.51%--48 Month IRA Certificate
1.26%--36 Month IRA Certificate
0.90%--24 Month IRA Certificate
0.75%--15 Month IRA Certificate
0.65%--12 Month IRA Certificate
0.40%--6 Month IRA Certificate
0.20%--3 Month IRA Certificate
Locations


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