What are the current interest rates at GFA Federal Credit Union?

Current rates for GFA Federal Credit Union include: 12-Month CD: 4.00%

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GFA Federal Credit Union

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GFA Federal Credit Union Rates & Review April 2026

Q: How many branches does GFA Federal Credit Union operate?

GFA Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Q: Is a member application needed to join GFA Federal Credit Union?

Yes, to access services at GFA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, GFA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 6, 2026

GFA Federal Credit Union's 12 month Student Saver CD rates are at 4.00%, Student Saver CD rates are at 4.00%. MonitorBankRates evaluates the financial stability of GFA Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 2.96%. Rates were last updated on 04/06/2026.

GFA Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at GFA Federal Credit Union? Share your experience about GFA Federal Credit Union by leaving a review below, or read customer reviews before you decide to use GFA Federal Credit Union.

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

2.96%

Excellent Lower than avg

GFA Federal Credit Union
Main Office Parker Street Branch

229 Parker St
Gardner, MA 01440 3703

https://gfafcu.com

GFA Federal Credit Union CD Rates

Product	Rate	APY	Term	View More
12 month Student Saver Certificate	-	4.00%	12 months
No additional details. Last Updated 04/06/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 2.96%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
Banks and Credit Unions: If you identify an incorrect rate or wish to request the removal of your institution's data from MonitorBankRates.com, please contact us here.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for GFA Federal Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather GFA Federal Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with GFA Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name GFA Federal Credit Union

Website https://gfafcu.com

Address 229 Parker St, Gardner, MA 01440 3703

Phone 978-632-2542

Fax 978-630-5616

President Douglas Delay

CEO Mark Hettinger

Full-Time Employees 96

Part-Time Employees 2

Branch Locations 9

ATM Locations 11

NCUA Insured ✓ Yes — Up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

2.96%

Return on Assets (ROA)

-0.0374%

Return on Equity (ROE)

-0.4088%

Non-Performing Loans Ratio (NPL)

0.41%

Total Assets

749,989,559

Total Amount of Shares and Deposits

590,024,312

Total Shares and Deposits < 1 Year

577,959,519

Total Shares and Deposits 1 3 Years

4,232,801

Total Shares and Deposits > 3 Years

7,831,992

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

58,386,229

Total Uninsured Shares and Deposits > $250K (F+J)

58,386,229

Total Insured Shares and Deposits > $250K (item 17 less item K)

531,638,083

Total Interest Expense (Sum of items 6 8)

9,593,547

Share Certificates

4,219

Number of Accounts for Share Drafts

21,238

IRA KEOGH Accounts

1,647

Number of Accounts for Regular Shares

18,488

All other shares

1,021

Money Market Shares

269

Net Income (unless the amount is already included in Undivided Earnings)

-280,681

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

13,467,142

Total Liabilities

709,853,263

Source: NCUA — Last Updated 09/30/2025

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Frequently Asked Questions About GFA Federal Credit Union

Is GFA Federal Credit Union a safe place to deposit money?

Yes, GFA Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 2.9647882126957%, the institution's financial health is rated as excellent. Your accounts are federally insured by the NCUA (National Credit Union Administration) up to $250,000 per depositor, for each account ownership category.

How many branches does GFA Federal Credit Union operate?

GFA Federal Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join GFA Federal Credit Union?

Yes, to access services at GFA Federal Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, GFA Federal Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, GFA Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does GFA Federal Credit Union offer online and mobile banking?

Most modern institutions like GFA Federal Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://gfafcu.com.