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GFA Federal Credit Union

Popular Accounts at this Credit Union

1.96%5-year CD60 < 84 Month Share Certificate
0.90%1-year CD12 < 24 Month Share Certificate
0.02%SavingsFusion Savings

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 535th largest credit union in the nation. It was established in 1938 and as of March of 2017, it had grown to 81 employees and 28,050 members at 9 locations. GFA Federal Credit Union's money market rates are 48% higher than the national average, and it has an A health rating.

Field of Membership Restrictions

Membership is open to those who live or work in Central Massachusetts and Southern New Hampshire or individuals who are family of GFA Members that live or work in Central Massachusetts or 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 - YTD0.21%
Return on Equity - YTD2.06%
Annual Interest Income$3.3MM
Assets and Liabilities
AssetsQ1 2017vs Q1 2016$489.3MM$465.1MM
LoansQ1 2017vs Q1 2016$258.4MM$235.1MM
DepositsQ1 2017vs Q1 2016$376.5MM$354.3MM
Equity CapitalQ1 2017vs Q1 2016$48.6MM$49.1MM
Loan Loss AllowanceQ1 2017vs Q1 2016$1.7MM$1.9MM
Unbacked Noncurrent LoansQ1 2017vs Q1 2016$1.2MM$1.4MM
Real Estate OwnedQ1 2017vs Q1 2016$240.00K$272.00K
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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

0.20%*$25k*-Gold Key Club Savings
OTHER TIERS: 0.05% $50 - $500 | 0.10% $500 - $5k | 0.15% $5k - $25k
0.15%*$5k*-Share Savings
OTHER TIERS: 0.05% $50 - $500 | 0.10% $500 - $5k
0.15%$25-Student Tycoon
0.15%--Student Saver
0.15%*$500*-Health Savings Account
OTHER TIERS: 0.05% $50 - $500
0.15%*$10k*-Reward Savings
OTHER TIERS: 0.05% $50 - $5k | 0.10% $5k - $10k
0.15%*$5k*-IRA Savings
OTHER TIERS: 0.05% $50 - $500 | 0.10% $500 - $5k
0.15%*$5k*-Educational IRA Savings
OTHER TIERS: 0.05% $50 - $500 | 0.10% $500 - $5k
0.10%--Business Savings
0.02%$25-Fusion Savings

GFA Federal Credit Union Money Market Rates

0.65%*$5k*-Money Market
OTHER TIERS: 0.10% $2,500 - $5k
0.25%*$50k*-Cash Management Account
OTHER TIERS: 0.05% $500 - $2,500 | 0.10% $2,500 - $10k | 0.15% $10k - $25k | 0.20% $25k - $50k
0.25%*$100k*-Business Money Market Savings
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.20% $50k - $100k

GFA Federal Credit Union Checking Account Rates

0.75%--IOLTA Now Checking
0.75%*$2,500*$25kPreferred Choice Checking
OTHER TIERS: 0.05% $25k+
0.02%*$2,500*-Right Choice Checking
OTHER TIERS: 0.01% $200 - $2,500

GFA Federal Credit Union CD Rates

1.96%$500-60 < 84 Month Share Certificate
1.76%$500-30 Month CD Special
1.66%$500-48 < 60 Month Share Certificate
1.46%$500-36 < 48 Month Share Certificate
1.35%$500-18 Month CD Special
1.10%$500-24 < 36 Month Share Certificate
1.10%$500-24 Month Bump Up Share Certificate
0.90%$500-12 < 24 Month Share Certificate
0.90%$500-12 Month Student Saver Share Certificate
0.50%$500-6 < 12 Month Share Certificate
0.25%$500-3 < 6 Month Share Certificate

GFA Federal Credit Union IRA Rates

1.97%$500-60 to 84 Month IRA Share Certificate
1.97%$500-60 to 84 ROTH/Educational IRA Certificate
1.66%$500-48 to 60 Month IRA Share Certificate
1.66%$500-48 to 60 Month ROTH/Educational IRA Certificate
1.46%$500-36 to 48 Month IRA Share Certificate
1.46%$500-36 to 48 Month ROTH/Educational IRA Certificate
1.11%$500-24 to 36 Month IRA Share Certificate
1.11%$500-24 to 36 Month ROTH/Educational IRA Certificate
0.90%$500-12 to 24 Month IRA Share Certificate
0.90%$500-12 to 24 Month ROTH/Educational IRA Certificate
0.50%$500-6 to 12 Month IRA Share Certificate
0.50%$500-6 to 12 Month ROTH/Educational IRA Certificate
0.25%$500-3 to 6 Month IRA Share Certificate
0.25%$500-3 to 6 Month ROTH/Educational IRA Certificate

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