Credit union · NCUA insured
Gardiner Federal Credit Union
A $98.6M credit union headquartered in Gardiner, ME, with 5,489 members and 2 branches in Maine. Best rates: CDs 3.87% and savings 1.76% APY.
Gardiner Federal Credit Union Carrot Score
86
Carrot Score
Higher than 74% of U.S. banks and credit unions
#5 of 19 in Augusta, ME metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About Gardiner Federal Credit Union
Gardiner Federal Credit Union is a member-owned credit union headquartered in Gardiner, Maine.
- Headquarters
- 420 Brunswick Ave, Gardiner, ME 04345-2836
- NCUA charter
- 8367
Membership
Who can join
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in Kennebec County, Lincoln County, or the towns of Richmond and Palermo.
Employers and groups
- Membership is open to employees of Gardiner Federal Credit Union.
Family and household
- Membership is open to members of the immediate family or household of Gardiner Federal Credit Union employees.
Other ways
- Membership is open to organizations of people, businesses, or other legal entities in Kennebec County, Lincoln County, and the towns of Richmond and Palermo.
- Membership is open to volunteers in the community.
Branches
2 branches in Maine
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Maine
2 branches
- Brunswick AvenueMain office420 Brunswick Ave, Gardiner, ME 04345Directions
- Kv Fcu316 W River Rd, Augusta, ME 04330Directions
Walk-in offices from the NCUA directory as of March 31, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
Well capitalizedas reported to the NCUA
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 15.92% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.12% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | 1.88% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $68 | $76 | — |
- CapitalNet worth ratio15.92%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.12%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets1.88%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$68Peers’ middle $76
Compared with the 1,338 credit unions with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are loans 60 or more days late.
Regulators’ own ratings of Gardiner Federal Credit Union are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.