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Overview / Commentary
229 Parker St
Gardner, MA 01440-3703

GFA Federal Credit Union is headquartered in Gardner and is the 24th largest credit union in the state of Massachusetts. It is also the 542nd largest credit union in the nation. It was established in 1938 and as of September of 2017, it had grown to 87 employees and 28,249 members at 9 locations. GFA Federal Credit Union has an A health rating.

Field of Membership Restrictions

Serving residents, businesses, and employees of Worcester County and Southern New Hampshire.
See current membership details

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Reviews (3)

Rates And Service

Posted by: dbojarczuk | Jan 1, 2012

Great rates, both deposits and loans, including a 3.51% rewards checking account, and the highest regular savings rate in its market area.  Combine that with pleasant, personal service, plus investments and insurance, and you have a one-stop financial services organization... onlt criticism, they aren't everywhere.

Horrible Bank

I opened a savings account at GFA credit union - Ashburnham, MA. When I moved a couple of years ago I forgot to change my mailing address. I went into the bank a couple of days ago to close the account and the bank had taken out over $400 because they couldn't send me my statements. BECAUSE they DID NOT send my statements. So they had less work to do and charged me for it. Many phone calls to various managers and they insist this is legal. REALLY???!!!

Discriminatory Practices

Posted by: Anonymous | Aug 3, 2012

Twice I have been rejected for an auto loan with GFA. My credit score is nearly 800 and I have an annual income of over $175,000 with equity in my home. It must be a matter of someone there not liking me or maybe its my Latino heritage. Stay away from this organization and its discriminatory practices


Health Grade Components

NCUA #24279
Year Chartered1938
Primary Regulator
Profit Margin
Return on Assets - YTD0.34%
Return on Equity - YTD3.41%
Annual Interest Income$10.2MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$495.7MM$473.7MM
LoansQ3 2017vs Q3 2016$268.4MM$250.5MM
DepositsQ3 2017vs Q3 2016$380.5MM$362.5MM
Equity CapitalQ3 2017vs Q3 2016$49.9MM$50.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$1.6MM$1.9MM
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$1.5MM$1.6MM
Real Estate OwnedQ3 2017vs Q3 2016$0$60.00K

Rates for GFA Federal Credit Union are currently being reviewed.


GFA Federal Credit Union Locations
Branch Office35 Main StAshburnham, MA 01430-1290
Branch Office32 Pommogussett RdRutland, MA 01543-1461
Branch Office185 Central StWinchendon, MA 01475-1634
Branch Office2 Gardner RdHubbardston, MA 01452-1646
Branch Office67 Pearson BlvdGardner, MA 01440-3368
Branch Office229 Parker StGardner, MA 01440-3703
Branch Office866 Merriam Ave Unit 1Leominster, MA 01453
Branch Office1 Jaffrey RdPeterborough, NH 03458-1707
Branch Office31 Sonja Dr Ste 1Rindge, NH 03461