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Advertiser Disclosure
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 Gerber Federal Credit Union Rates & Review April 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.
Read Full Bio →
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: April 18, 2026
Gerber Federal Credit Union's 24 Month CDs and IRA CDs rates are at 3.75%, 36 Month CDs and IRA CDs rates are at 3.75%, 48 Month CDs and IRA CDs rates are at 3.75%, 60 Month CDs and IRA CDs rates are at 3.75%, 84 Month CDs and IRA CDs rates are at 3.75%. Gerber Federal Credit Union's savings rates are at 0.10%. Gerber Federal Credit Union's Personal Loan Rates are at 4.74%. MonitorBankRates evaluates the financial stability of Gerber Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 3.43%. Rates were last updated on 04/18/2026. Gerber 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 Gerber Federal Credit Union? Share your experience about Gerber Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Gerber Federal Credit Union. Gerber Federal Credit Union
Corporate Office 508 State St
https://www.gerberfcu.com/ Fremont, MI 49412 
Gerber Federal Credit Union CD Rates
Gerber Federal Credit Union Savings Rates
Gerber Federal Credit Union Checking Rates
Gerber Federal Credit Union Mortgage Rates
Gerber Federal Credit Union Auto Loan Rates
Gerber Federal Credit Union Credit Card Rates
Methodology & Data SourcesMonitorBankRates Star Rating
Our rating for Gerber 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 Gerber 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 Gerber Federal Credit Union's official website for the most current offers and terms.
Credit Union Profile & Overview
Credit Union Name
Gerber Federal Credit Union
Website
https://www.gerberfcu.com/
Address
508 State St,
Fremont, MI 49412
Phone
231-924-4880
Fax
231-924-7181
President
Jason DeKuiper
CEO
John Buckley
Full-Time Employees
43
Part-Time Employees
4
Branch Locations
3
ATM Locations
4
NCUA Insured
✓ Yes — Up to $250,000 per depositor
FinancialsMonitorBankRates Star Rating
5.0 / 5.0 ★
Overall Health & Safety Grade
A+ (98/100)
Texas Ratio
3.43%
Return on Assets (ROA)
0.7103%
Return on Equity (ROE)
7.1359%
Non-Performing Loans Ratio (NPL)
0.61%
Total Assets
248,796,179
Total Amount of Shares and Deposits
222,665,621
Total Shares and Deposits < 1 Year
189,880,093
Total Shares and Deposits 1 3 Years
28,219,682
Total Shares and Deposits > 3 Years
4,565,846
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)
3,793,029
Total Uninsured Shares and Deposits > $250K (F+J)
3,793,029
Total Insured Shares and Deposits > $250K (item 17 less item K)
218,872,592
Total Interest Expense (Sum of items 6 8)
2,531,740
Share Certificates
2,267
Number of Accounts for Share Drafts
11,880
IRA KEOGH Accounts
538
Number of Accounts for Regular Shares
20,597
Money Market Shares
3,362
Net Income (unless the amount is already included in Undivided Earnings)
1,767,197
Total Cash on Deposit (Amounts Deposited in Financial Institutions)
24,970,818
Total Liabilities
225,985,582
Source: NCUA — Last Updated 09/30/2025
Frequently Asked Questions About Gerber Federal Credit UnionIs Gerber Federal Credit Union a safe place to deposit money?Yes, Gerber Federal Credit Union is considered a safe financial institution. With a Texas Ratio of 3.4261838935018%, 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 Gerber Federal Credit Union operate?Gerber 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 Gerber Federal Credit Union?Yes, to access services at Gerber 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, Gerber 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, Gerber Federal Credit Union provides members with tools to manage their accounts and build a solid financial history. Does Gerber Federal Credit Union offer online and mobile banking?Most modern institutions like Gerber 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://www.gerberfcu.com/. Current Gerber Federal Credit Union Rates
Retrieved from our database of financial products. Rates subject to change.
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