PO BOX 468
Gardner, MA 01440

Notable Rates APY Vs.Others
Savings 0.15% 2.20% →
1-Year CD 1.05% 2.20% →
2-Year CD 1.35% 2.20% →
5-Year CD 2.05% 2.60% →
30-Year Mortgage N.A. 3.31% →
15-Year Mortgage N.A. 2.77% →
HELOC N.A. 4.00% →

2020 Overview

General Credit Union Information

Gfa is an NCUA insured institution located in Gardner, MA. It was founded in 1938 and has approximately $537.95 millions in assets.

Who can join?

To be eligible for membership, you must live or work within our field of membership or be an immediate relative of a current member.

NCUA Insured Yes
Charter Number # # 24279
Date Established 1938
Assets $537.95 million
Loans $328.11 million
Deposits $417.35 million
Capital $55.31 million

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.

Deposit Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

Savings and Money Market Rates (Share Account Rates) APY MIN MAX
Money Market
0.10% $2,500 $4,999 Learn MoreShow Less
Money Market
0.45% $5,000 $99,999 Learn MoreShow Less
Fixed IRA
1.05% $500 - Learn MoreShow Less
CD Rates (Share Certificate Rates) APY MIN MAX
3 Mo CD
0.60% $500 - Learn MoreShow Less
6 Mo CD
0.85% $500 - Learn MoreShow Less
12 Mo CD
1.05% $500 - Learn MoreShow Less
18 Mo CD
1.05% $500 - Learn MoreShow Less
24 Mo CD
1.35% $500 - Learn MoreShow Less
30 Mo CD
1.35% $500 - Learn MoreShow Less
36 Mo CD
1.60% $500 - Learn MoreShow Less
48 Mo CD
1.85% $500 - Learn MoreShow Less
60 Mo CD
2.05% $500 - Learn MoreShow Less
Variable IRA Rates APY MIN MAX
0.05% $50 $499 Learn MoreShow Less
Int Checking Rates APY MIN MAX
Int Ckg
0.01% $200 $2,499 Learn MoreShow Less
Int Ckg
0.02% $2,500 - Learn MoreShow Less
Checking Rates APY MIN FEE
Preferred Choice Checking 0.60% $0 $0.00 Learn MoreShow Less

Loan Rates - February 20, 2020

Your Current Location: Virginia, VA 20146

There are currently no loan rates available for GFA

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 2020

Lender APR Rate (%) Points Fees Monthly
Learn More
Quicken Loans NMLS #3030
NMLS ID: 3030
4.919% 4.875% 0.00 $1,250 $1,324 Learn More
NMLS ID: 2890
License#: MC-3098
3.375% 3.375% 0.00 ($22) $1,106 Learn More
Rocket Mortgage
NMLS ID: 3030
4.668% 4.625% 0.00 $1,250 $1,286 Learn More

Featured - Virginia Home Equity Line Of Credit Rates 2020

Lender APR (%)? Monthly Payment? Learn More
Figure Home Equity Line
Figure Home Equity Line
0.000 %
$0 Learn More
More Info
Bethpage Federal Credit Union
Bethpage Federal Credit Union
Intro APR
3.990 %
After Intro: 5.000 %
Intro Period: 12 months
$25,000 Learn More
More Info
Third Federal Savings and Loans
Third Federal Savings and Loans
3.740 %
$0 Learn More
More Info

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


Below are Gfa 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:

Gfa Locations

Financial Details

Gfa Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Gfa. 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
Gfa U.S. Average
2.62% 5.86

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, 2019, Gfa had $1,291,600 in non-current loans and $205,944 in owned assets. To cover these potential losses it had $55,306,419 in net worth and $1,877,820 in loans loss reserves. That gives it a Texas Ratio of 2.62%.

Net Worth
Gfa U.S. Average
10.28% 13.65%

Gfa FCU has a net worth of 10.28% versus the BestCashCow average of 13.65. 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 Gfa

Branches and Savings

What is Gfa?

A federal credit union, registered with the NCUA under certificate #24279.
Learn more about credit unions here.

Is Gfa FDIC insured?

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

Who can join Gfa?

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

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

Gfa'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 Gfa?

Gfa has total capital of $55.31 million. Full information on Gfa's financial position is located above.

Who owns Gfa?

Credit Unions are owned by their members.

Where are Gfa branches located?

See branch locations nearby.

Are Gfa ATMs Open 24/7?

Do Gfa ATMs accept cash deposits?

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

Does Gfa have a mobile app?

Does Gfa have mobile deposit?

Does Gfa have quick pay?

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

Does Gfa report to credit bureaus?

Does Gfa use Chexsystems?

Does Gfa use Equifax?

What is Gfa's toll free phone number?

What is Gfa's ACH Routing Number?

What is Gfa's SWIFT code?

Where can I find Gfa's wire transfer form?

What is the Gfa address for deposits?

What Products Does Gfa Offer

Does Gfa offer mortgages?

Compare mortgage rates here.

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

Compare home equity lines of credit rates here.

Does Gfa offer auto and RV loans?

Compare auto loan rates here.

Does Gfa offer student loans or personal loans?

Compare personal loan rates here.

Customer Reviews for Gfa

  • April 19, 2018

    Do not get your car insurance through GFA, or more precisely, their affiliates. They got my billing address wrong when I got the policy and canceled it without a phone call. Admittedly, I gave them my junk email account that I hardly check. No call, nothing. I was driving around without insurance for almost 2 weeks. This is unbelievable and, in my opinion incredibly bad customer service. I'm amazed and astounded. No way am I going through them again for car insurance. No way.

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