Credit union · NCUA insured
GFA FCU
Top CarrotA $760.6M credit union headquartered in Gardner, MA, with 33,415 members and 7 branches in 2 states. Best rates: CDs 4.45% and savings 3.25% APY.
GFA FCU Carrot Score
Carrot ScoreTop Carrot
Higher than 98% of U.S. banks and credit unions
#2 of 41 in Worcester, MA metroHow the score works →
Deposits are federally insured by the NCUA up to $250,000 per depositor.
About GFA FCU
GFA Federal Credit Union is a member-owned financial cooperative that operates seven local branches and serves over 35,000 members across Massachusetts, New Hampshire, and beyond.
- Headquarters
- 229 Parker St, Gardner, MA 01440-3703
- NCUA charter
- 24279
Branches
7 branches in 2 states
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Massachusetts
4 branches
- Main Office - Parker Street BranchMain office229 Parker St, Gardner, MA 01440Directions
- Pearson Boulevard Branch67 Pearson Blvd, Gardner, MA 01440Directions
- Hubbardston Branch2 Gardner Rd, Hubbardston, MA 01452Directions
- Winchendon Branch185 Central St, Winchendon, MA 01475Directions
New Hampshire
3 branches
Keene area · 2
- Keene Branch346 Winchester St, Keene, NH 03431Directions
- Rindge Branch1448 Route 119, Rindge, NH 03461Directions
Manchester area · 1
- Peterborough Branch99 Grove St, Peterborough, NH 03458Directions
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
| Measure | This credit union | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalNet worth ratio | 9.16% | 11.43% | 13.58% or more |
| Troubled loans60+ days late | 0.75% | 0.68% | 0.39% or less |
| ProfitabilityReturn on assets | -0.14% | 0.75% | 1.18% or more |
| LendingLoans per $100 deposited | $82 | $76 | — |
- CapitalNet worth ratio9.16%Peers’ middle 11.43% · Top 25% 13.58%+
- Troubled loans60+ days late0.75%Peers’ middle 0.68% · Top 25% ≤0.39%
- ProfitabilityReturn on assets-0.14%Peers’ middle 0.75% · Top 25% 1.18%+
- LendingLoans per $100 deposited$82Peers’ 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 GFA FCU are confidential. These figures are what it reports to the NCUA each quarter, set beside its peers; they aren’t a rating.