Featured Savings Rates
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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 46th largest credit union in the state of Maine. It is also the 2,389th largest credit union in the nation. It was established in 1953 and as of September of 2017, it had grown to 14 employees and 5,069 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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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 - YTD1.26%
Return on Equity - YTD9.87%
Annual Interest Income$1.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$47.3MM$43.9MM
LoansQ3 2017vs Q3 2016$34.0MM$32.2MM
DepositsQ3 2017vs Q3 2016$41.1MM$38.3MM
Equity CapitalQ3 2017vs Q3 2016$6.0MM$5.4MM
Loan Loss AllowanceQ3 2017vs Q3 2016$90.00K$75.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$117.00K$91.00K
Real Estate OwnedQ3 2017vs Q3 2016$7.00K$0
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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

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

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