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

GFA Federal Credit Union is headquartered in Gardner and is the 23rd largest credit union in the state of Massachusetts. It is also the 541st largest credit union in the nation. It was established in 1938 and as of March of 2018, it had grown to 83 employees and 28,248 members at 9 locations. GFA Federal Credit Union's money market rates are 2X the national average, and it 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 - YTD0.56%
Return on Equity - YTD5.76%
Annual Interest Income$3.7MM
Assets and Liabilities
AssetsQ1 2018vs Q1 2017$505.5MM$489.3MM
LoansQ1 2018vs Q1 2017$297.4MM$258.4MM
DepositsQ1 2018vs Q1 2017$378.1MM$376.5MM
Equity CapitalQ1 2018vs Q1 2017$48.9MM$48.6MM
Loan Loss AllowanceQ1 2018vs Q1 2017$1.6MM$1.7MM
Unbacked Noncurrent LoansQ1 2018vs Q1 2017$1.3MM$1.2MM
Real Estate OwnedQ1 2018vs Q1 2017$0$240.00K
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Always verify rates and promotions with the bank or credit union. We are not GFA Federal Credit Union; we are a rate comparison website and cannot provide official rates or promotions.

* 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

1.00%*$25k*-High Yield Savings
OTHER TIERS: 0.05% $50 - $500 | 0.15% $500 - $5k | 0.30% $5k - $25k
1.00%*$25k*-Platinum Savings
OTHER TIERS: 0.05% $50 - $500 | 0.15% $500 - $5k | 0.30% $5k - $25k
0.20%*$25k*-Gold Key Club Savings
OTHER TIERS: 0.05% $50 - $500 | 0.10% $500 - $5k | 0.15% $5k - $25k
0.15%$25-Student Tycoon
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*-Statement 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

0.90%*$100k*-Money Market
OTHER TIERS: 0.10% $2,500 - $5k | 0.65% $5k - $100k
0.40%*$100k*-Business Money Market Savings
OTHER TIERS: 0.10% Up to $25k | 0.15% $25k - $50k | 0.30% $50k - $100k

GFA Federal Credit Union Checking Account Rates

0.75%*-$25kPreferred Choice Checking
OTHER TIERS: 0.05% $25k+
0.02%*$2.5k*-Right Choice Checking
OTHER TIERS: 0.01% $200 - $2,500
0.02%--Non-Profit Checking

GFA Federal Credit Union CD Rates

3.00%$10k$350k37 Month CD Special w/ Checking requirements (New Money)
2.75%$10k$300k27 Month CD Special w/ Checking (New Money)
2.10%$500-24 Month Bump Up Share Certificate
2.05%$500-60 < 84 Month Share Certificate
1.85%$500-48 < 60 Month Share Certificate
1.60%$500-36 < 48 Month Share Certificate
1.35%$500-24 < 36 Month Share Certificate
1.05%$500-12 < 24 Month Share Certificate
1.05%$250-12 Month Student Saver Share Certificate
0.85%$500-6 < 12 Month Share Certificate
0.60%$500-3 < 6 Month Share Certificate

GFA Federal Credit Union IRA Rates

2.05%$500-60 - 84 Month IRA Share Certificate
2.05%$500-60 - 84 ROTH/Educational IRA Certificate
1.85%$500-48 - 60 Month IRA Share Certificate
1.85%$500-48 - 60 Month ROTH/Educational IRA Certificate
1.60%$500-36 - 48 Month IRA Share Certificate
1.60%$500-36 - 48 Month ROTH/Educational IRA Certificate
1.35%$500-24 - 36 Month IRA Share Certificate
1.35%$500-24 - 36 Month ROTH/Educational IRA Certificate
1.05%$500-12 - 24 Month IRA Share Certificate
1.05%$500-12 - 24 Month ROTH/Educational IRA Certificate
0.85%$500-6 - 12 Month IRA Share Certificate
0.85%$500-6 - 12 Month ROTH/Educational IRA Certificate
0.60%$500-3 - 6 Month IRA Share Certificate
0.60%$500-3 - 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 Office99 Grove StPeterborough, NH 03458-1765
Branch Office31 Sonja Dr Ste 1Rindge, NH 03461

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