Featured Savings Rates
Featured Accounts

GFA Federal Credit Union

Popular Accounts at this Credit Union

APYACCOUNT TYPEACCOUNT NAME
1.50%Reward CheckingRewards Checking
0.30%Reward Savingsez$aver
1.97%5-year CD60 Month Share Certificate

Overview / Commentary
978-632-2542
229 Parker St
Gardner, MA 01440-3703

GFA Federal Credit Union is headquartered in Gardner and is the 25th largest credit union in the state of Massachusetts. It is also the 525th largest credit union in the nation. It was established in 1938 and as of June of 2016, it had grown to 80 employees and 27,542 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
A

Health Grade Components

Overall
NCUA #24279
Year Chartered1938
Employees80
Primary Regulator
Profit Margin
Return on Assets - YTD0.45%
Return on Equity - YTD4.15%
Annual Interest Income$6.4MM
Assets and Liabilities
AssetsQ2 2016vs Q2 2015$469.5MM$431.4MM
LoansQ2 2016vs Q2 2015$242.5MM$214.8MM
DepositsQ2 2016vs Q2 2015$358.0MM$325.2MM
Equity CapitalQ2 2016vs Q2 2015$50.7MM$46.2MM
Loan Loss AllowanceQ2 2016vs Q2 2015$1.9MM$2.3MM
Unbacked Noncurrent LoansQ2 2016vs Q2 2015$2.0MM$1.3MM
Real Estate OwnedQ2 2016vs Q2 2015$75.00K$266.00K
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
0.30%*-$10kez$aver
OTHER TIERS: 0.05% $10k+
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
0.10%--Business Savings
0.02%$25-Fusion Savings

GFA Federal Credit Union Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
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

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.50%*-$10kRewards Checking
OTHER TIERS: 0.05% $10k+
0.75%--IOLTA Now Checking
0.02%*$2,500*-Right Choice Checking
OTHER TIERS: 0.01% $200 - $2,500

GFA Federal Credit Union CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.97%$500-60 Month Share Certificate
1.66%$500-48-60 Month Share Certificate
1.46%$500-36-48 Month Share Certificate
1.11%$500-24 - 36 Month Share Certificate
1.11%$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

APYMINMAXACCOUNT NAMEVIEW DETAILS
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
Locations


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