2025 Overview
General Credit Union Information
Gfa is an NCUA insured institution located in Gardner, MA. It was founded in 1938 and has approximately $677.39 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 / Federally Chartered |
| Charter Number # | # 24279 |
| Date Established | 1938 |
| Assets | $677.39 million |
| Loans | $407.40 million |
| Deposits | $525.96 million |
| Capital | $69.02 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 - July 6, 2025
Your Current Location: New York, NY 10116
| Savings and Money Market Rates (Share Account Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| Savings
|
0.10% | $2,500 | $4,999 |
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|
|
Money Market
|
0.10% | $2,500 | $2,999 |
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|
|
Money Market
|
0.15% | $10,000 | $14,999 |
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|
|
Money Market
|
0.15% | $25,000 | $29,999 |
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|
| CD Rates (Share Certificate Rates) | APY | MIN | MAX | |
|---|---|---|---|---|
| 6 Mo CD
|
0.65% | $10,000 | $14,999 |
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|
| 6 Mo CD
|
0.65% | $100,000 | $199,999 |
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|
| 12 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 12 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 18 Mo CD
|
0.80% | $10,000 | $14,999 |
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|
| 18 Mo CD
|
0.80% | $100,000 | $199,999 |
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|
| 24 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 24 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 30 Mo CD
|
1.00% | $10,000 | $14,999 |
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|
| 30 Mo CD
|
1.00% | $100,000 | $199,999 |
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|
| 36 Mo CD
|
1.10% | $10,000 | $14,999 |
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|
| 36 Mo CD
|
1.10% | $100,000 | $199,999 |
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|
| 48 Mo CD
|
1.15% | $10,000 | $14,999 |
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|
| 48 Mo CD
|
1.15% | $100,000 | $199,999 |
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|
| 60 Mo CD
|
1.20% | $10,000 | $14,999 |
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|
| 60 Mo CD
|
1.20% | $100,000 | $199,999 |
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|
| Int Checking Rates | APY | MIN | MAX | |
|---|---|---|---|---|
| Int Ckg
|
0.02% | $2,500 | $3,499 | Learn More |
| Checking Rates | APY | MIN | FEE | |
|---|---|---|---|---|
| Interest Checking | 5.00% | $0 | $0.00 | Learn More |
Loan Rates - July 6, 2025
Your Current Location: New York, NY 10116
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 - New York 30 Year Fixed Mortgage Rates 2025
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 292473 |
6.357% | 6.250% | 0.50 | $3,633 | $1,971 | Learn More |
NMLS ID: 401822 |
6.632% | 6.500% | 0.75 | $4,395 | $2,023 | Learn More |
NMLS ID: 401822 |
Learn More | |||||
NMLS ID: 3030 |
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Featured - New York Home Equity Line Of Credit Rates 2025
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Third Federal Savings and Loan See Table |
Intro APR 6.990 % After Intro: 6.990 % |
$0 |
Learn More
More Info |
Four Leaf Federal Credit Union See Table |
Intro APR 6.490 % After Intro: 7.750 % Intro Period: 12 months |
$25,000 |
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.
Branches
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:
New York City,New York
Gfa Locations around zip code 10116
| Branch | Distance | Map | View Lobby Hours |
|---|---|---|---|
| 158.35 | A | View Lobby Hours | |
| 165.16 | B | View Lobby Hours | |
| 166.92 | C | View Lobby Hours | |
| 166.94 | D | View Lobby Hours | |
| 171.33 | E | View Lobby Hours | |
| 173.21 | F | View Lobby Hours | |
| 184.33 | G | View Lobby Hours | |
| 214.54 | H | View Lobby Hours |
Climate Policy and Initiatives
GFA is encouraged to provide us with this information. When we receive this information from the credit union, we will provide it here.
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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 |
|---|---|
| 10.30% | 7.07 |
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 December 31, 2024, Gfa had $7,278,936 in non-current loans and $92,236 in owned assets. To cover these potential losses it had $69,016,761 in net worth and $2,531,982 in loans loss reserves. That gives it a Texas Ratio of 10.30%.
Net Worth
| Gfa | U.S. Average |
|---|---|
| 10.19% | 14.25% |
Gfa FCU has a net worth of 10.19% versus the BestCashCow average of 14.25. Net worth measures how much total assets exceed total liabilities. The higher the net worth number the more secure a credit union is considered.
Customer Reviews for Gfa
John
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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