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

Current rates for Gardiner Federal Credit Union include: 12-Month CD: 3.82%, 24-Month CD: 3.87%, 60-Month CD: 3.87%, Savings: 0.10%

MonitorBankRates

☰

Quick Poll The Fed raised rates 0.25% on Sept. 16. Will you move money into a higher-yield account?

Home›
Credit Unions›
Gardiner Federal Credit Union

iAdvertiser Disclosure

Gardiner Federal Credit Union Rates & Review September 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Gardiner 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 and Verified: September 20, 2026

Gardiner Federal Credit Union's 24 Month IRA CD rates are at 3.87%, 36 Month IRA CD rates are at 3.87%, 48 Month IRA CD rates are at 3.87%, 60 Month IRA CD rates are at 3.87%, 12 Month IRA CD rates are at 3.82%. Gardiner Federal Credit Union's savings rates are at 0.10%. MonitorBankRates evaluates the financial stability of Gardiner Federal Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 0.57%. Rates last updated and verified on 09/20/2026.

Gardiner 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 Gardiner Federal Credit Union? Share your experience about Gardiner Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Gardiner Federal Credit Union.

Verified Healthy 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 100/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

0.57%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Gardiner Federal Credit Union
Brunswick Avenue

420 Brunswick Ave
Gardiner, ME 04345-2836

https://gardinerfcu.org

Gardiner Federal Credit Union CD Rates

Product	Rate	APY	Term
24 Month IRA Certificate	3.80%	3.87%	24 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
36 Month IRA Certificate	3.80%	3.87%	36 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
48 Month IRA Certificate	3.80%	3.87%	48 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
60 Month IRA Certificate	3.80%	3.87%	60 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
12 Month IRA Certificate	3.75%	3.82%	12 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
15 Month IRA Certificate	3.75%	3.82%	15 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
6 Month IRA Certificate	3.75%	3.82%	6 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
3 Month IRA Certificate	3.50%	3.56%	3 Month
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%

Gardiner Federal Credit Union Savings Rates

Product	Rate	APY
Clubs	0.10%	0.10%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Share (Savings) Account	0.10%	0.10%
No additional details. Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%

Gardiner Federal Credit Union Other Rates

Product	Rate	Points	APY/APR
Hi Yield	1.75%	-	1.76%
Min Balance $2,000 Details Balance: 2,000.00 to 25,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Hi Yield	1.85%	-	1.87%
Min Balance $25,000 Details Balance: 25,000.01 to 50,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Hi Yield	2.05%	-	2.07%
Min Balance $50,000 Details Balance: 50,000.01 to 100,000.00 Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Hi Yield	2.15%	-	2.17%
Min Balance $100,000 Details Balance: 100,000.01 and over Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
IRA Share Account	0.20%	-	0.20%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%
Youth Account	0.10%	-	0.10%
Last Updated 09/20/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 0.57%

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.

Financial Health History

Gardiner Federal Credit Union’s Texas Ratio rose from 0.00% in Q2 2023 to 0.57% 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 — this credit union’s entire history sits far below the 15% threshold 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 Grade

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
March 31, 2026	$99M	0.57%	5.0	A+
December 31, 2025	$94M	0.57%	5.0	A+
September 30, 2025	$92M	0.44%	5.0	A+
June 30, 2025	$91M	0.36%	5.0	A+
March 31, 2025	$89M	0.02%	5.0	A+
December 31, 2024	$85M	0.03%	5.0	A+
September 30, 2024	$83M	0.08%	5.0	A+
June 30, 2024	$83M	0.11%	5.0	A+
March 31, 2024	$84M	1.31%	5.0	A+
December 31, 2023	$81M	0.20%	5.0	A+
September 30, 2023	$83M	0.79%	5.0	A+
June 30, 2023	$83M	0.00%	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 Gardiner 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 Gardiner 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 Gardiner Federal Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Gardiner Federal Credit Union

Website https://gardinerfcu.org

Address 420 Brunswick Ave, Gardiner, ME 04345-2836

Phone 207-582-2676

Fax 207-582-3108

President David Tourtelotte

CEO Vicki Larrabee

Full-Time Employees 12

Part-Time Employees 0

Branch Locations 1

ATM Locations 2

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

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (100/100)

Texas Ratio

0.57%

Return on Assets (ROA)

0.4394%

Return on Equity (ROE)

2.7876%

Non-Performing Loans Ratio (NPL)

0.16%

Total Assets

98,648,731

Total Amount of Shares and Deposits

82,426,007

Total Shares and Deposits < 1 Year

76,401,309

Total Shares and Deposits 1 3 Years

5,118,490

Total Shares and Deposits > 3 Years

906,208

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

5,940,073

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

5,940,073

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

76,485,934

Total Interest Expense (Sum of items 6 8)

326,096

Share Certificates

442

Number of Accounts for Share Drafts

3,668

IRA KEOGH Accounts

296

Number of Accounts for Regular Shares

7,948

All other shares

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)

16,933,993

Total Liabilities

83,098,096

Source: NCUA — Last Updated 03/31/2026

2026 MBR Health & Safety Badge

Gardiner 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.

Copy the HTML below and paste it into your website where you’d like the badge to appear. The badge image is hosted on MonitorBankRates — no need to download or upload anything.

<a href="https://monitorbankrates.com/credit-unions/gardiner-federal-credit-union-rates-review-8367">
  <img src="https://www.monitorbankrates.com/wp-content/uploads/badges/mbr-badge-tier-c-2026.svg"
       alt="MonitorBankRates Verified Healthy Badge 2026"
       width="160" height="160">
</a>

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

Customer Reviews

There are no reviews for Gardiner 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.

Average Rating

☆☆☆☆☆

Total Reviews

Add Your Rating and Review for Gardiner Federal Credit Union

Frequently Asked Questions About Gardiner Federal Credit Union

How many branches does Gardiner Federal Credit Union operate?

Gardiner 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 Gardiner Federal Credit Union?

Yes, to access services at Gardiner 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, Gardiner 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, Gardiner Federal Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Gardiner Federal Credit Union offer online and mobile banking?

Most modern institutions like Gardiner 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://gardinerfcu.org.