Gardiner Federal Credit Union


420 Brunswick Ave
Gardiner, ME 04345
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Notable Rates APY Vs.Others
Savings 0.10% 5.40% →
1-Year CD 3.66% 5.77% →
2-Year CD 3.81% 5.50% →
5-Year CD 3.87% 5.25% →
30-Year Mortgage N.A. 0.00% →
15-Year Mortgage N.A. 0.00% →
HELOC N.A. 0.99% →

2023 Overview

General Credit Union Information

Gardiner is an NCUA insured institution located in Gardiner, ME. It was founded in 1953 and has approximately $82.88 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8367
Date Established 1953
Assets $82.88 million
Loans $44.73 million
Deposits $71.49 million
Capital $10.82 million

Field of Membership Restrictions

Membership is open to those who live, work, worship or attend school in Kennebec County, Lincoln County, or the towns of Richmond and Palermo.

Deposit Rates - December 3, 2023

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
0.10% $0 - Learn More
Money Market
1.56% $2,000 $25,000 Learn More
Money Market
1.66% $25,000 $50,000 Learn More
Money Market
1.87% $50,000 $100,000 Learn More
Money Market
1.97% $100,000 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
3 Month
3.04% $500 - Learn More
6 Mo CD
3.30% $500 - Learn More
12 Mo CD
3.66% $500 - Learn More
15 Month
3.76% $500 - Learn More
24 Mo CD
3.81% $500 - Learn More
36 Mo CD
3.87% $500 - Learn More
48 Mo CD
3.87% $500 - Learn More
60 Mo CD
3.87% $500 - Learn More

Loan Rates - December 3, 2023

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for Gardiner

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Virginia 30 Year Fixed Mortgage Rates 2023

Lender APR Rate (%) Points Fees Monthly
Learn More
PenFed Credit Union
NMLS ID: 401822
6.608% 6.500% 0.13 $3,600 $2,023 Learn More
NMLS ID: 1907
7.318% 7.125% 1.00 $6,202 $2,156 Learn More
Neighbors Bank
NMLS ID: 491986
Learn More
NMLS ID: Not a Lender
Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2023

Lender APR (%)? Monthly Payment? Learn More

Note to Gardiner
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Below are Gardiner branches and locations in your neighborhood. Input a different zip code to find branches and locations for any neighborhood in the United States.

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Gardiner Locations

Climate Initiatives

GARDINER is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.

Financial Details

Gardiner Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gardiner. The data is provided by the NCUA. All credit unions on BestCashCow, except those specified as not NCUA-insured in the overview section above, are NCUA-insured. Depositors should be careful to remain within NCUA insurance limits.

Texas Ratio
Gardiner U.S. Average
0.45% 4.93

The Texas Ratio compares the amount of loans at risk and assets repossessed with the amount a credit union has on hand to cover any losses. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a credit union has to absorb its loan losses.

As of June 30, 2023, Gardiner had $40,491 in non-current loans and $8,648 in owned assets. To cover these potential losses it had $10,818,130 in net worth and $97,624 in loans loss reserves. That gives it a Texas Ratio of 0.45%.

Net Worth
Gardiner U.S. Average
13.05% 13.17%

Gardiner FCU has a net worth of 13.05% versus the BestCashCow average of 13.17. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

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