2021 Overview
General Credit Union Information
Gfa is an NCUA insured institution located in Gardner, MA. It was founded in 1938 and has approximately $601.52 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 | $601.52 million |
| Loans | $289.31 million |
| Deposits | $487.53 million |
| Capital | $62.10 million |
Field of Membership Restrictions
Deposit Rates - June 15, 2021
Your Current Location: Virginia, VA 20146
| 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 | |
|---|---|---|---|---|
| Preferred Choice Checking | 0.15% | $0 | $0.00 | Learn More |
Loan Rates - June 15, 2021
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 2021
| Lender | APR | Rate (%) | Points | Fees | Monthly Payment |
Learn More |
|---|---|---|---|---|---|---|
NMLS ID: 3030 |
3.465% | 3.375% | 0.63 | $2,812 | $1,106 | Learn More |
NMLS ID: 1799947 |
2.758% | 2.750% | 0.13 | $248 | $1,021 | Learn More |
NMLS ID: 1429243 |
2.567% | 2.500% | 0.50 | $2,195 | $988 | Learn More |
NMLS ID: 144760 License#: MC-5188 |
2.801% | 2.750% | 0.63 | $1,642 | $1,021 | Learn More |
Featured - Virginia Home Equity Line Of Credit Rates 2021
| Lender | APR (%)? | Monthly Payment? | Learn More |
|---|---|---|---|
Bethpage Federal Credit Union See Table |
Intro APR 2.990 % After Intro: 3.750 % Intro Period: 12 months |
$25,000 |
Learn More
More Info |
Third Federal Savings and Loan See Table |
2.240 %
|
$0 |
Learn More
More Info |
BMO Harris Bank See Table |
Intro APR 1.990 % After Intro: 4.840 % Intro Period: 12 months |
$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.
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:
Ashburn,Virginia
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 |
|---|---|
| 3.76% | 5.40 |
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, 2020, Gfa had $2,308,204 in non-current loans and $113,135 in owned assets. To cover these potential losses it had $62,102,219 in net worth and $2,295,887 in loans loss reserves. That gives it a Texas Ratio of 3.76%.
Net Worth
| Gfa | U.S. Average |
|---|---|
| 10.32% | 12.67% |
Gfa FCU has a net worth of 10.32% versus the BestCashCow average of 12.67. 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. 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. Gfa is insured by the NCUA.
Who can join Gfa?
Please see Field of Membership information above for information on who is eligible to join.
How big is Gfa?
Gfa has total capital of $62.10 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 home equity lines of credit and home equity loans?
Compare home equity lines of credit rates here.
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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