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GFA Federal Credit Union


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
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 6/30/2025
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
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
www.gfafcu.com
978-632-2542
229 Parker St
Gardner, MA 01440

GFA Federal Credit Union is headquartered in Gardner and is the 24th largest credit union in the state of Massachusetts. It is also the 617th largest credit union in the nation. It was established in 1938 and as of March of 2025, it had grown to 106 employees and 32,519 members at 10 locations. GFA Federal Credit Union's savings rates are 5X the national average, but it has a C health rating.

Field of Membership Restrictions

GFA Federal Credit Union is open to those who are related to a GFA Member, are an employee of a GFA affiliated business/organization, or are a member of a partnered GFA organization.
See current membership details

Reviews (1)

Favorite Credit Union!

Posted by: |

I’ve been banking with GFA for nearly 10 years. I’ve honestly never had a problem. The people there are great. Even through Covid and lobbies closing, they have done their best to make things run normally. They offer everything I need including car insurance. Great local place for banking.

1


Health
C

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
NCUA #24279
Year Chartered1938
Employees106
Primary Regulator
Profit Margin
Return on Assets - YTD-0.2%
Return on Equity - YTD-4.04%
Annual Interest Income$6.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$689MM$693.3MM
LoansQ1 2025vs Q1 2024$414.6MM$344.7MM
DepositsQ1 2025vs Q1 2024$541.9MM$565.3MM
Equity CapitalQ1 2025vs Q1 2024$34.6MM$28.4MM
Loan Loss AllowanceQ1 2025vs Q1 2024$2.4MM$2.2MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$6.1MM$2.6MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 6/30/2025
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 6/30/2025
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
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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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

GFA Federal Credit Union Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.85%*$25*$25kFusion Savings
OTHER TIERS: 1.85% → $25k+
0.05%$50-Statement Savings
0.05%$10-18 Savings
0.05%$10-65 Savings

GFA Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.40%*$1m*-Money Market
OTHER TIERS: 0.75% → $2.5k - $25k | 1.00% → $25k - $100k | 1.35% → $100k - $250k | 1.65% → $250k - $500k | 2.25% → $500k - $1m

GFA Federal Credit Union Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$500Interest Checking
OTHER TIERS: 0.01% → $10k+ | 3.00% → $500 - $10k

GFA Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$500-5 Month Share Certificate
4.10%$500-10 Month Share Certificate
4.10%$500-15 Month Share Certificate
3.40%$500-36 - 48 Month Share Certificate
2.18%$250-12 Month Student Saver Share Certificate
0.75%$500-60 - 84 Month Share Certificate
0.60%$500-48 - 60 Month Share Certificate
0.40%$500-24 - 36 Month Share Certificate
0.35%$500-12 - 24 Month Share Certificate
0.25%$500-6 - 12 Month Share Certificate
0.20%$500-3 - 6 Month Share Certificate

GFA Federal Credit Union IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.10%$500-12 - 24 Month IRA Share Certificate
4.10%$500-24 - 36 Month IRA Share Certificate
4.10%$500-6 - 12 Month IRA Share Certificate
4.00%$500-3 - 6 Month IRA Share Certificate
3.40%$500-48 - 60 Month IRA Share Certificate
0.60%$500-60 - 84 Month IRA Share Certificate
0.40%$500-36 - 48 Month IRA Share Certificate
0.35%$500-15 Month IRA Share Certificate
0.25%$500-10 Month IRA Share Certificate
0.20%$500-5 Month IRA Share Certificate
0.05%$50-IRA Savings
Locations


Cities: Ashburnham, Gardner, Hubbardston, Keene, Leominster, Peterborough, Rindge, Rutland, Winchendon

Ashburnham Branches
Branch Office35 Main StAshburnham, MA 01430-1290

Gardner Branches
Branch Office67 Pearson BlvdGardner, MA 01440-3368
Branch Office229 Parker StGardner, MA 01440-3703

Hubbardston Branches
Branch Office2 Gardner RdHubbardston, MA 01452-1646

Keene Branches
Branch Office346 Winchester StKeene, NH 03431

Leominster Branches
Branch Office866 Merriam Ave Unit 1Leominster, MA 01453

Peterborough Branches
Branch Office99 Grove StPeterborough, NH 03458-1765

Rindge Branches
Branch Office1448 Route 119Rindge, NH 03461

Rutland Branches
Branch Office32 Pommogussett RdRutland, MA 01543-1461

Winchendon Branches
Branch Office185 Central StWinchendon, MA 01475-1634

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