Credit union · NCUA insured
Gardiner Federal Credit Union Savings Rates
Gardiner Federal Credit Union’s best savings rate is 1.76% APY on $10,000, with its Hi Yield Account. Rates checked October 22, 2026.
How Gardiner Federal Credit Union’s savings rates compare
Compared with banks and credit unions near Augusta, ME, where Gardiner Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
Gardiner Federal Credit Union
1.76%APY
- Requires
- None
- Minimum
- $0
- Earns on $10,000 a year
- $176
Hi Yield Account
Top rate
Northeast Bank
3.50%APY
- Requires
- None
- Minimum
- $2,500
- Earns on $10,000 a year
- $350
2nd-highest rate
Camden National Bank
2.65%APY
- Requires
- Another account
- Minimum
- $25
- Earns on $10,000 a year
- $265
Gardiner Federal Credit Union savings score
88
Savings score
Higher than 83% of U.S. banks and credit unions
- $1,000 balance$1,0000.10%
- $10,000 balance$10,0001.76%
- $100,000 balance$100,0002.07%
- QualifiedQualified1.76%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where Gardiner Federal Credit Union ranks
By savings score, in each area where it has branches
Every rate
Current savings rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
Hi Yield Account
1.76%APY
Dividends compounded and credited monthly using average daily balance method. Minimum balance to earn dividends is $2,000.00.
| Balance | APY | Earns on $10,000 a yearEarns |
|---|---|---|
| $2,000 – $25,000 | 1.76% | $176 |
| $25,000 – $50,000 | 1.87% | — |
| $50,000 – $100,000 | 2.07% | — |
| Over $100,000 | 2.17% | — |
Share (Savings) Account
0.10%APY
A $25.00 deposit is required to open a savings account. Dividends compounded and credited monthly using average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $100 and upMinimum balance to earn dividends is $100.00.$100 and up | 0.10% | $10 | Minimum balance to earn dividends is $100.00. |
Special-purpose accounts
IRA Share Account
0.20%APY
Includes Traditional and Roth IRA options. No minimum balance required for Traditional and Roth IRAs; no monthly fees. Dividends paid/compounded monthly using average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| Any balanceNo minimum balance required to earn dividends.Any balance | 0.20% | $20 | No minimum balance required to earn dividends. |
All Purpose Club Account
0.10%APY
Can be opened any time during the year; no minimum opening balance and no minimum required balance. Account can be brought to a zero balance at any time. Dividends compounded and credited monthly using average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn dividends is $25.00.$25 and up | 0.10% | $10 | Minimum balance to earn dividends is $25.00. |
Christmas Club
0.10%APY
Automatically transfers saved money into Share/Savings or Share Draft/Checking on October 1st. No minimum opening balance. Dividends compounded and credited monthly using average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $25 and upMinimum balance to earn dividends is $25.00.$25 and up | 0.10% | $10 | Minimum balance to earn dividends is $25.00. |
Youth Account
0.10%APY
Dividends compounded and credited monthly using average daily balance method.
| BalanceRequirement | APY | Earns on $10,000 a yearEarns | Requirement |
|---|---|---|---|
| $5 and upMinimum balance to earn dividends is $5.00.$5 and up | 0.10% | $10 | Minimum balance to earn dividends is $5.00. |
Sources (2)
- gardinerfcu.org/current-rates/savings-deposit-rates
- gardinerfcu.org/uploads/RATE-F…SHARE-DRAFT-Dec-2021.pdf
All captured Sep 19, 2026
Who can join Gardiner Federal Credit Union
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.
Membership information collected October 4, 2026.