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GFA Federal Credit Union

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GFA Federal Credit Union Rates & Review October 2026

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

Current rates for GFA Federal Credit Union include: 12-Month CD: 3.00%, 24-Month CD: 3.25%, 60-Month CD: 0.85%, Savings: 2.60%, MMA: 3.25%

Q: What CD terms does GFA Federal Credit Union offer?

The GFA Federal Credit Union CD terms we track include 12 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 4.00% to 4.45% APY. The institution may offer other terms or specials that are not listed here, so check with GFA Federal Credit Union for its full lineup.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 23, 2026

GFA Federal Credit Union's Term CDs - 48 month rates are at 4.45%, Term CDs - 36 month rates are at 4.35%, Term CDs - 24 month rates are at 4.25%, Term CDs - 12 month rates are at 4.15%, 12 Month Student Saver CD rates are at 4.00%. GFA Federal Credit Union's savings rates are at 2.60%. GFA Federal Credit Union's money market rates are at 3.25%. GFA Federal Credit Union's checking rates are as high as 5.00%. GFA Federal Credit Union's Adjustable Rate Mortgages - 5-Year / 6-Month rates are at 6.12%, Adjustable Rate Mortgages - 7-Year / 6-Month rates are at 6.25%, Fixed Rate Mortgage - 30 Years rates are at 6.75%, Fixed Rate Mortgage - 15 Years rates are at 6.75%, Fixed Rate Mortgage - 20 Years rates are at 7.00%. GFA Federal Credit Union's Personal Loan Rates are as low as 13.99%. 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 5.25%. Rates last updated and verified on 10/23/2026.

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.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

5.25%

Excellent Lower than avg

Health Trend

Steady 12 quarters

Full history ›

GFA Federal Credit Union
Main Office - Parker Street Branch

229 Parker St
Gardner, MA 01440-3703

https://gfafcu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

GFA Federal Credit Union CD Rates

Product	Rate	APY	Term
Term Share Certificates - 48 month	4.36%	4.45%	48 Months
Min Deposit $500 Min Balance $500 Details Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings Last Updated 10/23/2026 Rate History 3 changes since Sep 14, 2026 · 0.75% → 4.45% ▲ 3.70 pts · high 4.45% / low 0.75% Oct 13, 20264.45%▲ from 0.75% Oct 9, 20260.75%▼ from 4.45% Sep 21, 20264.45%▲ from 0.75% Sep 14, 20260.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Term Share Certificates - 36 month	4.27%	4.35%	36 Months
Min Deposit $500 Min Balance $500 Details Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings Last Updated 10/23/2026 Rate History 3 changes since Sep 14, 2026 · 4.10% → 4.35% ▲ 0.25 pts · high 4.35% / low 0.60% Oct 13, 20264.35%▲ from 0.60% Oct 9, 20260.60%▼ from 4.35% Sep 21, 20264.35%▲ from 4.10% Sep 14, 20264.10%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Term Share Certificates - 24 month	4.17%	4.25%	24 Months
Min Deposit $500 Min Balance $500 Details Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings Last Updated 10/23/2026 Rate History 3 changes since Sep 14, 2026 · 4.00% → 4.25% ▲ 0.25 pts · high 4.25% / low 0.40% Oct 13, 20264.25%▲ from 0.40% Oct 9, 20260.40%▼ from 4.25% Sep 21, 20264.25%▲ from 4.00% Sep 14, 20264.00%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Term Share Certificates - 12 month	4.07%	4.15%	12 Months
Min Deposit $500 Min Balance $500 Details Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings Last Updated 10/23/2026 Rate History 3 changes since Sep 14, 2026 · 3.75% → 4.15% ▲ 0.40 pts · high 4.15% / low 0.35% Oct 13, 20264.15%▲ from 0.35% Oct 9, 20260.35%▼ from 4.15% Sep 21, 20264.15%▲ from 3.75% Sep 14, 20263.75%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
12 Month Student Saver Certificate	3.93%	4.00%	12 Months
Min Deposit $100 Min Balance $100 Details Eligibility: 18 or younger; Membership requires $10 balance in a savings or checking account; Early withdrawal penalty: 90 days - 365 days simple interest on principal withdrawn Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 4.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Term Share Certificates - 6 month	3.45%	3.50%	6 Months
Min Deposit $500 Min Balance $500 Details Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 3.50% → 3.50% ▼ 0.00 pts · high 3.50% / low 2.75% Oct 13, 20263.50%▲ from 2.75% Oct 9, 20262.75%▼ from 3.50% Sep 14, 20263.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
IRA Share Certificates - 24 month	3.20%	3.25%	24 Months
Min Deposit $500 Min Balance $500 Details Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 3.20% Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 0.40% → 3.25% ▲ 2.85 pts · high 3.25% / low 0.40% Oct 23, 20263.25%▲ from 0.40% Sep 14, 20260.40%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Term Share Certificates - 3 month	3.20%	3.25%	3 Months
Min Deposit $500 Min Balance $500 Details Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings Last Updated 10/23/2026 Rate History 2 changes since Sep 14, 2026 · 3.25% → 3.25% ▼ 0.00 pts · high 3.25% / low 1.00% Oct 13, 20263.25%▲ from 1.00% Oct 9, 20261.00%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
IRA Share Certificates - 12 month	2.96%	3.00%	12 Months
Min Deposit $500 Min Balance $500 Details Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 2.96% Last Updated 10/23/2026 Rate History 1 change since Sep 14, 2026 · 0.35% → 3.00% ▲ 2.65 pts · high 3.00% / low 0.35% Oct 23, 20263.00%▲ from 0.35% Sep 14, 20260.35%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
IRA Share Certificates - 6 month	2.72%	2.75%	6 Months
Min Deposit $500 Min Balance $500 Details Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 2.72% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
IRA Share Certificates - 3 month	1.00%	1.00%	3 Months
Min Deposit $500 Min Balance $500 Details Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 1.00% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
IRA Share Certificates - 60 month	0.85%	0.85%	60 Months
Min Deposit $500 Min Balance $500 Details Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 0.85% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Term Share Certificates - 60 month	0.85%	0.85%	60 Months
Min Deposit $500 Min Balance $500 Details Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account; Early withdrawal is subject to penalty and may reduce earnings Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.85% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
IRA Share Certificates - 48 month	0.75%	0.75%	48 Months
Min Deposit $500 Min Balance $500 Details Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 0.75% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.75% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
IRA Share Certificates - 36 month	0.60%	0.60%	36 Months
Min Deposit $500 Min Balance $500 Details Balance: Minimum Balance to Earn APY $500.00; Dividend Rate 0.60% Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Savings Rates

Product	Rate	APY
Fusion Savings	2.57%	2.60%
Min Deposit $1,000 Min Balance $0 Details Balance: $0.01 - $25,000.00 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 2.60% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Fusion Savings	1.59%	1.60%
Min Balance $25,000 Details Balance: $25,000.01 and over Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 1.60% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
18/65 Savings	0.05%	0.05%
Min Balance $10 Details Balance: $10.00+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Savings IRA	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 - $499.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Savings IRA	0.05%	0.05%
Min Balance $500 Details Balance: $500.00 - $4,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Savings IRA	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.00+ Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Statement Savings	0.05%	0.05%
Min Balance $50 Details Balance: $50.00 - $499.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Statement Savings	0.05%	0.05%
Min Balance $500 Details Balance: $500.00 - $4,999.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Statement Savings	0.05%	0.05%
Min Balance $5,000 Details Balance: $5,000.00 and over Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
18/65 Savings	0.00%	0.00%
Min Deposit $10 Min Balance $0 Details Balance: $0.01 - $9.99 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Savings IRA	0.00%	0.00%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $49.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Statement Savings	0.00%	0.00%
Min Deposit $30 Min Balance $0 Details Balance: $0.01 - $49.99 Last Updated 10/23/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 9 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Business Savings Rates

Product	Rate	APY
Business Savings	1.64%	1.65%
Min Balance $25,000 Details Balance: $25,000.00 and over; Rates are variable and subject to change after account opening Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 1.65% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Business Savings	0.50%	0.50%
Min Balance $5,000 Details Balance: $5,000.00 - $24,999.99; Rates are variable and subject to change after account opening Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.50% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Business Savings	0.10%	0.10%
Min Deposit $500 Min Balance $0 Details Balance: $0.01 - $4,999.99; Rates are variable and subject to change after account opening Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 0.10% APY · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Money Market Rates

Product	Rate	APY
Money Market	3.21%	3.25%
Min Balance $10,000 Details Balance: $10,000.00+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 3.25% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Money Market	0.00%	0.00%
Min Deposit $500 Min Balance $0 Details Balance: $0.01 - $9,999.99 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 3.21% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Business Money Market Rates

Product	Rate	APY	View More
Business Money Market	2.47%	2.50%
Min Deposit $500 Min Balance $0 Details Balance: $0.01 - $24,999.99 Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 1.50% → 2.50% ▲ 1.00 pts · high 2.50% / low 1.50% Oct 23, 20262.50%▲ from 1.50% Oct 13, 20261.50%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Checking Rates

Product	Rate	APY
Free Checking+	4.89%	5.00%
Min Deposit $25 Min Balance $0 Details Balance: $0.01 - $500.00 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Free Checking+	2.96%	3.00%
Min Balance $500 Details Balance: $500.01 - $10,000.00 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Non-Profit Checking	0.02%	0.02%
Min Deposit $50 Min Balance $500 Details Balance: $500.00+ Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Free Checking+	0.01%	0.01%
Min Balance $10,000 Details Balance: $10,000.01 and over Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.01% APY · checked 12 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
18/65 Checking	0.00%	0.00%
Min Deposit $10 Min Balance $0 Details Balance: $0.00 Last Updated 10/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Free Checking	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 4.89% APY · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
New Start Checking	0.00%	0.00%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 Last Updated 10/23/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Non-Profit Checking	0.00%	0.00%
Min Deposit $50 Min Balance $0 Details Balance: $0.01 - $499.99 Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 0.02% APY · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Fixed Rate Mortgage - 30 Years	6.75%	0	7.032%	30 Years
Details Loan up to $832,750.00 Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 7.42% → 7.03% ▼ 0.38 pts · high 7.42% / low 7.03% Oct 23, 20267.03%▼ from 7.42% Oct 13, 20267.42%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Fixed Rate Mortgage - 15 Years	6.75%	0	7.21%	15 Years
Details Loan up to $832,750.00 Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 7.34% → 7.21% ▼ 0.13 pts · high 7.34% / low 7.21% Oct 23, 20267.21%▼ from 7.34% Oct 13, 20267.34%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Fixed Rate Mortgage - 20 Years	7.00%	0	7.374%	20 Years
Details Loan up to $832,750.00 Last Updated 10/23/2026 Rate History 1 change since Oct 13, 2026 · 7.63% → 7.37% ▼ 0.25 pts · high 7.63% / low 7.37% Oct 23, 20267.37%▼ from 7.63% Oct 13, 20267.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Home Equity & HELOC

Product	Rate	Points	APR	Term
Home Equity Loan - from 80.01% to 90% LTV	7.50%	-	7.50%	Up to 60 Months
Details MAX loan amount $250,000; payment does not include taxes and insurance Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 7.50% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Home Equity Line of Credit - from 80% to 90% LTV - Equity Line	8.00%	-	8.00%
Details Prime rate plus 1.000% with floor of 5.50%; Max APR: 18%; 10 year draw - 10 year repayment interest only payments; MAX loan amount $250,000; Variable rate Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 8.00% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Home Equity Loan - from 80.01% to 90% LTV	8.00%	-	8.00%	Up to 120 Months
Details MAX loan amount $250,000; payment does not include taxes and insurance Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.00% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Home Equity Loan - from 80.01% to 90% LTV	8.25%	-	8.25%	Up to 180 Months
Details MAX loan amount $250,000; payment does not include taxes and insurance Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.25% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Home Equity Loan - from 80.01% to 90% LTV	8.50%	-	8.50%	Up to 240 Months
Details MAX loan amount $250,000; payment does not include taxes and insurance Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 8.50% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Home Equity Line of Credit - from 90% to 100% LTV	9.00%	-	9.00%
Details Equity Line: 10 year draw, 10 year repayment, interest only payments, annual fee may apply; Prime rate plus 2.000% with floor of 5.50%; Max APR 18%; MAX loan amount $250,000; Variable rate, subject to change without notice Last Updated 10/23/2026 Rate History No change since Oct 5, 2026 · 9.00% APR · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Auto Loan	-	-	4.99%	24 Month
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 4.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Auto Loan	-	-	5.74%	36 Month
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Auto Loan	-	-	5.74%	48 Month
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 17, 2026 · 5.74% APR · checked 10 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Auto Loan	-	-	5.99%	66 Month
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 5.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Auto Loan	-	-	6.24%	75 Month
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.24% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Auto Loan	-	-	6.99%	84 Month
No additional details. Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 6.99% APR · checked 11 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union RV, Boat and Powersport Loan Rates

Product	Rate	APR	Term
Recreational Vehicle Loan - 60 Months	-	7.99%	60 Months
Details Annual Percentage Rate (APR); advertised rates reflect .25% discount for automatic payment; GFA membership with $10.00 deposit relationship required Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 7.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Recreational Vehicle Loan - 72 Months	-	8.99%	72 Months
Details Annual Percentage Rate (APR); advertised rates reflect .25% discount for automatic payment; GFA membership with $10.00 deposit relationship required Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 8.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Recreational Vehicle Loan - 84 Months	-	9.49%	84 Months
Details Annual Percentage Rate (APR); advertised rates reflect .25% discount for automatic payment; GFA membership with $10.00 deposit relationship required Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 9.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Motorcycle Loan	-	9.99%	36 Months
Details Advertised rates reflect a .25% discount for automatic payment; GFA membership required with $10.00 deposit relationship Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 9.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Recreational Vehicle Loan - 120 Months	-	9.99%	120 Months
Details Annual Percentage Rate (APR); advertised rates reflect .25% discount for automatic payment; GFA membership with $10.00 deposit relationship required Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 9.99% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Motorcycle Loan	-	10.99%	60 Months
Details Advertised rates reflect a .25% discount for automatic payment; GFA membership required with $10.00 deposit relationship Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 10.99% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Motorcycle Loan	-	11.49%	72 Months
Details Advertised rates reflect a .25% discount for automatic payment; GFA membership required with $10.00 deposit relationship Last Updated 10/23/2026 Rate History No change since Sep 14, 2026 · 11.49% APR · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Recreational Vehicle Loan - 180 Months	-	11.49%	180 Months
Details Annual Percentage Rate (APR); advertised rates reflect .25% discount for automatic payment; GFA membership with $10.00 deposit relationship required Last Updated 10/23/2026 Rate History No change since Oct 13, 2026 · 11.49% APR · checked 3 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Personal Loan Rates

Product	APR	Term
Personal Loan - 48 Month	13.99%	48 Month
Details Advertised rates reflect a .25% discount for automatic payment; advertised rates offered to borrowers who qualify for highest credit tier; GFA membership required with $10.00 deposit relationship Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 13.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Personal Loan - 72 Month	15.99%	72 Month
Details Advertised rates reflect a .25% discount for automatic payment; advertised rates offered to borrowers who qualify for highest credit tier; GFA membership required with $10.00 deposit relationship Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 15.99% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

GFA Federal Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Adjustable Rate Mortgages - 5-Year / 6-Month	6.125%	0	6.694%	5-Year
Details Payments/$100,000: $607.61 - $986.00 Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.69% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Adjustable Rate Mortgages - 7-Year / 6-Month	6.25%	0	6.699%	7-Year
Details Payments/$100,000: $615.72 - $974.00 Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 6.70% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%
Emergency Express - 12 Month Loan	-	-	17.49%	12 Month
Details Requires a 90 day active GFA membership with a minimum direct deposit of $250 per month; published rate includes a .50% discount when enrolled in automatic payment; no credit pull, no application fee; GFA membership requires a $10.00 deposit relationship Last Updated 10/23/2026 Rate History No change since Oct 23, 2026 · 17.49% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 5.25%

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.
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Financial Health History

GFA Federal Credit Union’s Texas Ratio rose from 2.13% in Q3 2023 to 5.25% in Q2 2026, so its financial health has held steady at a healthy level over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a credit union must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$747M	5.25%	5.0	A+
March 31, 2026	$761M	2.93%	5.0	A+
December 31, 2025	$760M	2.84%	5.0	A+
September 30, 2025	$750M	2.84%	5.0	A+
June 30, 2025	$710M	9.47%	5.0	A
March 31, 2025	$689M	8.56%	5.0	A
December 31, 2024	$677M	5.20%	5.0	A+
September 30, 2024	$685M	6.80%	5.0	A
June 30, 2024	$675M	6.35%	5.0	A
March 31, 2024	$693M	3.62%	5.0	A+
December 31, 2023	$663M	3.02%	5.0	A+
September 30, 2023	$657M	2.13%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

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 95

Part-Time Employees 3

Branch Locations 7

ATM Locations 10

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (97/100)

Texas Ratio

5.25%

Return on Assets (ROA)

-0.0703%

Return on Equity (ROE)

-0.7677%

Non-Performing Loans Ratio (NPL)

0.75%

Total Assets

747,299,421

Total Amount of Shares and Deposits

617,130,033

Total Shares and Deposits < 1 Year

602,940,485

Total Shares and Deposits 1 3 Years

12,689,951

Total Shares and Deposits > 3 Years

1,499,597

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

67,684,447

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

67,684,447

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

549,445,586

Total Interest Expense (Sum of items 6 8)

7,204,562

Share Certificates

4,229

Number of Accounts for Share Drafts

21,282

IRA KEOGH Accounts

1,536

Number of Accounts for Regular Shares

19,455

All other shares

1,000

Non Member Deposits

Money Market Shares

317

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

-525,570

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

12,607,448

Total Liabilities

706,033,680

Source: NCUA — Last Updated 06/30/2026

2026 MBR Health & Safety Badge

GFA Federal Credit Union earned the Verified Healthy badge

Display this badge on your website to show visitors your 2026 MonitorBankRates recognition. The badge links back to this profile page for independent verification.

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Total Reviews

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Frequently Asked Questions About GFA Federal Credit Union

Does GFA Federal Credit Union offer CDs?

Yes. GFA Federal Credit Union offers share certificates (CDs) with fixed interest rates across multiple term lengths. Its current CD rates, verified by MonitorBankRates, are listed on this page.

Are CDs from GFA Federal Credit Union NCUA insured?

Yes. GFA Federal Credit Union is insured by the National Credit Union Administration (NCUA), so CDs opened there are insured up to $250,000 per depositor, per ownership category.

What is the highest CD rate at GFA Federal Credit Union?

The highest CD rate MonitorBankRates has verified for GFA Federal Credit Union is 4.45% APY on its Term CDs - 48 month, as of October 23, 2026.

What CD terms does GFA Federal Credit Union offer?

The GFA Federal Credit Union CD terms we track include 12 month, 2 year, 3 year, 4 year and 5 year terms, with rates from 4.00% to 4.45% APY. The institution may offer other terms or specials that are not listed here, so check with GFA Federal Credit Union for its full lineup.

What is the highest savings rate at GFA Federal Credit Union?

The highest savings rate MonitorBankRates has verified for GFA Federal Credit Union is 2.60% APY on its Fusion Savings, as of October 23, 2026.

What is the highest money market rate at GFA Federal Credit Union?

The highest money market rate MonitorBankRates has verified for GFA Federal Credit Union is 3.25% APY on its Money Market, as of October 23, 2026.

What is the highest checking rate at GFA Federal Credit Union?

The highest checking rate MonitorBankRates has verified for GFA Federal Credit Union is 5.00% APY on its Free Checking+, as of October 23, 2026.

What is the lowest 30 year fixed mortgage rate at GFA Federal Credit Union?

The lowest 30 year fixed mortgage rate MonitorBankRates has verified for GFA Federal Credit Union is 6.75% rate on its Fixed Rate Mortgage - 30 Years, as of October 23, 2026.

What is the lowest auto loan rate at GFA Federal Credit Union?

The lowest auto loan rate MonitorBankRates has verified for GFA Federal Credit Union is 4.99% APR on its Auto Loan, as of October 23, 2026.

What is the lowest personal loan rate at GFA Federal Credit Union?

The lowest personal loan rate MonitorBankRates has verified for GFA Federal Credit Union is 13.99% APR on its Personal Loan - 48 Month, as of October 23, 2026.

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.

Are all CD rates listed on MonitorBankRates federally insured?

Most are. Banks are insured by the FDIC and most credit unions by the NCUA, up to $250,000 per depositor, per ownership category. A small number of credit unions are privately insured instead, and we label them on their pages. MonitorBankRates is not a bank or credit union; deposit insurance comes from the institution where you open the account.

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

You open the account directly with the bank or credit union. Use the View button next to a rate to go to the institution's website, then apply online, by phone or at a branch. Credit unions require membership, so you may need to join first. Confirm the current rate and terms with the institution before you deposit.

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Your account is with the financial institution. MonitorBankRates is a rate comparison site; we do not open accounts, hold deposits or handle your money.

Why are some CD offers not available for me to open?

Some offers are limited to certain states or local areas, require membership in the credit union, need a minimum deposit, or were promotions that have since ended. Rates can also change after we verify them. The institution's website has the current eligibility rules.

How do GFA Federal Credit Union rates compare?

GFA Federal Credit Union's top rates are 4.45% APY on its Term CDs - 48 month, 2.60% APY on savings, 3.25% APY on money market, 5.00% APY on checking, 6.125% on its Adjustable Rate Mortgages - 5-Year / 6-Month and personal loans from 13.99% APR, verified by MonitorBankRates on October 23, 2026. To compare GFA Federal Credit Union with the top rates nationwide, see our best CD rates, best savings rates, best money market rates and best mortgage rates, updated daily from banks and credit unions across the country.

Current GFA Federal Credit Union Rates

12-Month CD3.00%
24-Month CD3.25%
60-Month CD0.85%
Savings2.60%
MMA3.25%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

GFA Federal Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

GFA Federal Credit Union Texas Ratio

GFA Federal Credit Union Health Trend

GFA Federal Credit Union CD Rates

GFA Federal Credit Union Savings Rates

GFA Federal Credit Union Business Savings Rates

GFA Federal Credit Union Money Market Rates

GFA Federal Credit Union Business Money Market Rates

GFA Federal Credit Union Checking Rates

GFA Federal Credit Union Mortgage Rates

GFA Federal Credit Union Home Equity & HELOC

GFA Federal Credit Union Auto Loan Rates

GFA Federal Credit Union RV, Boat and Powersport Loan Rates

GFA Federal Credit Union Personal Loan Rates

GFA Federal Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

GFA Federal Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About GFA Federal Credit Union

Does GFA Federal Credit Union offer CDs?

Are CDs from GFA Federal Credit Union NCUA insured?

What is the highest CD rate at GFA Federal Credit Union?

What CD terms does GFA Federal Credit Union offer?

What is the highest savings rate at GFA Federal Credit Union?

What is the highest money market rate at GFA Federal Credit Union?

What is the highest checking rate at GFA Federal Credit Union?

What is the lowest 30 year fixed mortgage rate at GFA Federal Credit Union?

What is the lowest auto loan rate at GFA Federal Credit Union?

What is the lowest personal loan rate at GFA Federal Credit Union?

How many branches does GFA Federal Credit Union operate?

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

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does GFA Federal Credit Union offer online and mobile banking?

Are all CD rates listed on MonitorBankRates federally insured?

I want to open a CD with an institution listed on MonitorBankRates. How do I open the account?

If I open a CD I found on MonitorBankRates, is my account with MonitorBankRates or the institution?

Why are some CD offers not available for me to open?

How do GFA Federal Credit Union rates compare?

Current GFA Federal Credit Union Rates

Compare to Other Credit Unions