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Advertiser Disclosure
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 GFA Federal Credit Union Rates & Review September 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: September 9, 2026
GFA Federal Credit Union's 12 month Student Saver CD rates are at 4.00%, Term CDs - 6 month rates are at 3.75%, Term CDs - 3 month rates are at 3.25%, IRA CDs - 6 month rates are at 2.75%, IRA CDs - 3 month rates are at 1.00%. GFA Federal Credit Union's savings rates are at 0.05%. GFA Federal Credit Union's money market rates are at 1.50%. GFA Federal Credit Union's Fixed Rate Mortgage rates are at 6.12%, Adjustable Rate Mortgages rates are at 6.25%, Adjustable Rate Mortgages rates are at 6.50%, Fixed Rate Mortgage rates are at 6.50%, Fixed Rate Mortgage rates are at 6.62%. GFA Federal Credit Union's Personal Loan Rates are at 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 2.93%. Rates last updated and verified on 09/09/2026. 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. GFA Federal Credit Union
Main Office - Parker Street Branch 229 Parker St
https://gfafcu.com Gardner, MA 01440-3703 
GFA Federal Credit Union CD Rates
GFA Federal Credit Union Savings Rates
GFA Federal Credit Union 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 Credit Card Rates
GFA Federal Credit Union Personal Loan Rates
Financial Health HistoryGFA Federal Credit Union’s Texas Ratio stayed near 2.92% in Q2 2023 to 2.93% in Q1 2026, so its financial health has stayed very strong 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 amber line marks the 15% level a credit union must stay under 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 threshold
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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
Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.
Methodology & Data SourcesMonitorBankRates 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
7
ATM Locations
10
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (99/100)
Texas Ratio
2.93%
Return on Assets (ROA)
0.0757%
Return on Equity (ROE)
0.8358%
Non-Performing Loans Ratio (NPL)
0.42%
Total Assets
760,583,303
Total Amount of Shares and Deposits
608,463,828
Total Shares and Deposits < 1 Year
600,486,881
Total Shares and Deposits 1 3 Years
6,662,855
Total Shares and Deposits > 3 Years
1,314,092
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
63,588,110
Total Uninsured Shares and Deposits > $250K (F+J)
63,588,110
Total Insured Shares and Deposits > $250K (item 17 less item K)
544,875,718
Total Interest Expense (Sum of items 6 8)
3,600,885
Share Certificates
4,196
Number of Accounts for Share Drafts
21,225
IRA KEOGH Accounts
1,582
Number of Accounts for Regular Shares
19,212
All other shares
1,002
Money Market Shares
286
Net Income (unless the amount is already included in Undivided Earnings)
576,118
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)
14,669,546
Total Liabilities
719,331,751
Source: NCUA — Last Updated 03/31/2026
Customer Reviews
There are no reviews for GFA Federal Credit Union yet. Feel free to create one below.
Looking for more bank and credit union reviews?
Visit our Community Reviews hub to read what other members are saying, ask questions, and join the conversation.
Add Your Rating and Review for GFA Federal Credit Union
Frequently Asked Questions About GFA Federal Credit UnionHow 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. Current GFA Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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