Gardiner Federal Credit Union

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A short history of Gardiner FCU

Since its inception in 1953 the Gardiner Federal Credit Union has been serving its members in the Gardiner, Maine area with exceptional financial products. You can find their current interest rates on used car loans, new car loans, 1st mortgage loans and interest rates on both fixed and adjustable mortgages here on these pages. Currently led by Vicki Larrabee, the Gardiner FCU has grown its membership to over 5,100 with assets of more than $46,794,480. They have a main office and 1 branch offices. Please see the credit unions website or contact them by phone at (207) 582-2676 or email them at to get exact details . There are many other credit unions in the local area. See them all here. Credit Unions in Gardiner, ME.

General Information For Gardiner FCU was taken from their 6/30/2017 quarterly report, which is the most current available public information.

Charter Number 8367
Address 420 Brunswick Ave 
City Gardiner 
State Maine 
Zip-Code 04345
Phone Number (207) 582-2676
Fax Number (207) 582-3108
Email Address:
CEO/President Vicki Larrabee
Members 5,100 
Full-Time Employees 13 
Part-Time Employees
Number of Branch Offices
Total Assets 46,794,480 

Compare Gardiner Federal Credit Union To Other Local Credit Unions

Credit Union Name
Branch Name
Zip Code
Phone Number
ATM Access
Distance (Miles)
Maine State CU Capitol Street 200 Capitol St 04332 (207) 623-1851 No 7.88
Trademark CU Scarborough Branch 145 Pleasant Hill Rd 04104 (207) 883-3630 No 8.19
Capital Area CU Main Office 2010 N Belfast ave 04338 (207) 622-3442 No 9.03
K V CU Waterville Branch 9 Quarry Rd 04901 (207) 877-9474 No 10.02
Connected CU 85 Civic Center Drive 85 Civic Center Drive 04330 (207) 623-3857 No 10.04

Gardiner Federal Credit Union Financial Performance Charts

Performance Charts

Website Image

Financial Data

Gardiner Federal Credit Union Lowest Loan Rates With State and USA Rankings

Unsecured Credit Card New Car Loans Used Car Loans 1st Mortgage Loans Other Real Estate
Rate 9.90 5.00 5.70 5.00 3.25
Mean Rate For All USA Based Credit Unions 10.56 3.72 5.00 4.48 4.95
Rank Among All USA Credit Unions 243 397 410 268 38
Rank Among All Maine Credit Unions 10 33 37 24 1

Gardiner Federal Credit Union Highest Deposit Rates With State and USA Rankings

Checking Regular Savings Money Market Certificates of Deposits IRA/KEOGH
Rate N/A 0.15 N/A 0.40 0.50
Mean Rate For All USA Based Credit Unions 0.19 0.26 0.29 0.73 0.66
Rank Among All USA Credit Unions N/A 119 N/A 284 227
Rank Among All Maine Credit Unions N/A 7 N/A 29 25
Gardiner Federal Credit Union Loans and Leases

Interest Rate Number of Loans Amount
Unsecured Credit Card Loans 9.900926866,693
All Other Unsecured Loans/Lines of Credit 16.0006161,266,427
Short-Term, Small Amount Loans (STS) (Federal CU Only) 0.00000
Non-Federally Guaranteed Student Loans 0.00000
New Vehicle Loans 5.00049977,665
Used Vehicle Loans 5.70099811,074,305
Total 1st Mortgage Real Estate Loans/Lines of Credit 5.0003,06913,794,966
Total Other Real Estate Loans/Lines of Credit 3.2502003,107,624
Leases Receivable 0.00000
Total All Other Loans/Lines of Credit 14.0002212,184,443
TOTAL LOANS & LEASES 6,07933,272,123

Gardiner Federal Credit Union Real Estate Loans and Lines of Credit


No. of Loans Outstanding Amt of Loans Outstanding No. of Loans Granted Year- to-Date Amount Granted Year-To-Date
Fixed Rate
    a. > 15 years 373,503,3141424,000
    b. 15 Years or less 472,803,47800
    a. > 15 years 0000
    b. 15 Years or less 0000
Other Fixed Rate 2,9857,488,174383822,316
Adjustable Rate 1 yr or less 0000
Adjustable Rate > 1 yr 0000


Closed-End Fixed Rate 324,92900
Closed-End Adjustable Rate 0000
Open-End Adjustable Rate 1973,082,6955150,000
Open-End Fixed Rate 0000
TOTALS 3,26916,902,5903891,396,316


Interest Only & Payment Option 1st Mortgage Loans 000
Interest Only & Payment Option Other RE/LOC Loans 000
    a. Federally Insured Home Equity Conversion Mortgage (HECM) 0000
    b. Proprietary Reverse Mortgage Products 0000

Gardiner Federal Credit Union Member Offerings
First Time Homebuyer Program No
Real Estate Loans Yes
Pay Day Lending No
Share Secured Credit Cards Yes
Overdraft Protection/Courtesy Pay Yes
Overdraft Lines of Credit Yes
ATM/Debit Card Program Yes
Interest Only and Payment Option 1st Mortgage Loans No
Check Cashing Yes
Money Orders Yes
No Surcharge ATMs Yes
Home Banking Via Internet Website Yes