Gardiner

Headquarters

420 Brunswick Ave
Gardiner, ME 04345
See all branch locations →

Notable Rates APY Vs.Others
Savings 0.15% 0.66% →
1-Year CD 0.35% 0.71% →
2-Year CD 0.45% 0.81% →
5-Year CD 0.75% 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Credit Union Information

Gardiner is an NCUA insured institution located in Gardiner, ME. It was founded in 1953 and has approximately $62.32 millions in assets.

NCUA Insured Yes / Federally Chartered
Charter Number # # 8367
Date Established 1953
Assets $62.32 million
Loans $37.73 million
Deposits $53.53 million
Capital $8.20 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 - March 7, 2021

Your Current Location: Connecticut, CT 06828

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Savings
0.15% $2,500 - Learn More
Money Market
0.25% $25,000 $49,999 Learn More
Money Market
0.35% $50,000 $99,999 Learn More
Money Market
0.40% $100,001 - Learn More
CD Rates (Share Certificate Rates) APY MIN MAX
6 Mo CD
0.30% $10,000 - Learn More
12 Mo CD
0.35% $10,000 - Learn More
24 Mo CD
0.45% $10,000 - Learn More
36 Mo CD
0.50% $10,000 - Learn More
48 Mo CD
0.60% $10,000 - Learn More
60 Mo CD
0.75% $10,000 - Learn More

Loan Rates - March 7, 2021

Your Current Location: Connecticut, CT 06828

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 - Connecticut 30 Year Fixed Mortgage Rates 2021

Lender APR Rate (%) Points Fees Monthly
Payment
Learn More
AimLoan.com
NMLS ID: 2890
License#: 13256
2.827% 2.750% 1.00 $2,500 $1,021 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

Lender APR (%)? Monthly Payment? Learn More
Third Federal Savings and Loan
Third Federal Savings and Loan
See Table
2.240 %
$0 Learn More
More Info

Note to GARDINER
To upload and update your bank's rates please register. It is free to register and add rates.


 

Branches

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.

Your Location:
Fairfield,Connecticut


Gardiner Locations


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
1.43% 4.42

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 September 30, 2020, Gardiner had $109,917 in non-current loans and $8,648 in owned assets. To cover these potential losses it had $8,196,011 in net worth and $99,455 in loans loss reserves. That gives it a Texas Ratio of 1.43%.

Net Worth
Gardiner U.S. Average
13.15% 12.91%

Gardiner FCU has a net worth of 13.15% versus the BestCashCow average of 12.91. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.

Frequently Asked Questions About Gardiner

Branches and Savings

What is Gardiner?

A federal credit union, registered with the NCUA under certificate #8367.
Learn more about credit unions here.

Is Gardiner FDIC insured?

No, credit unions are not insured by the FDIC. Most, but not all, are insured by the National Credit Union Administration. The insurance provisions of the NCUA are similar to, but not identical to, FDIC insurance. Gardiner is insured by the NCUA.

Who can join Gardiner?

Please see Field of Membership information above for information on who is eligible to join.

What are Gardiner's share account and share certificate rates?

Gardiner's deposit account rates are listed above.
You may find better online savings rates here or better local savings rates at banks or credit unions. Tables with the best CD rates are here.

How big is Gardiner?

Gardiner has total capital of $8.20 million. Full information on Gardiner's financial position is located above.

Who owns Gardiner?

Credit Unions are owned by their members.

Where are Gardiner branches located?

See branch locations nearby.

Are Gardiner ATMs Open 24/7?

Do Gardiner ATMs accept cash deposits?

Can Gardiner customers use other ATMs? What is the charge for withdrawing money from another ATM?

Does Gardiner have a mobile app?

Does Gardiner have mobile deposit?

Does Gardiner have quick pay?

How can Gardiner transfer money to other banks or credit unions?

Does Gardiner report to credit bureaus?

Does Gardiner use Chexsystems?

Does Gardiner use Equifax?

What is Gardiner's toll free phone number?

What is Gardiner's ACH Routing Number?

What is Gardiner's SWIFT code?

Where can I find Gardiner's wire transfer form?

What is the Gardiner address for deposits?

What Products Does Gardiner Offer

Does Gardiner offer mortgages?

Compare mortgage rates here.

Does Gardiner offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Gardiner offer auto and RV loans?

Compare auto loan rates here.

Does Gardiner offer student loans or personal loans?

Compare personal loan rates here.

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