Insurance Services Financial Planning



Additional Products and Services Available Through GFA

Audio Response -- 24 Hour Telephone Access

The average home in America has three telephones. That makes it easy to access your accounts over the telephone. With our 24-hour, seven day a week, automated response system, members can conduct, over the telephone, any sort of financial transaction they need with GFA Federal Credit Union. With our telephone banking services, find out balances, see what checks have cleared, transfer money between accounts, make loan payments and check out our rates. It is simple, fast, convenient and safe. Members have access to it anywhere they may be in the U.S.- simply call 800-955-6609.

Audio Response Application

Automated Teller Machines (ATM)

Use your MasterMoney Debit Card any time of the day or night at any of the thousands of Automated Teller Machines (ATMs) worldwide that support the SUM, NYCE, or CIRRUS networks. ATMs also are located at each GFA branchYou can avoid ATM surcharges by using ATMs supported by the SUM network that display the logo below. Click on the logo to find the SUM machine closest to you.



Debit Cards

On the go and can’t get to the credit union? A Debit Card can be the solution. Accepted by millions of retailers who take MasterCard and hundreds of thousands of ATMs, our MasterMoney Debit Card reduces the need to carry cash most of the time.

  • WILL YOU BE TRAVELING?  If you are traveling outside of MA and NH; please review our Debit Card Restrictions.
  • If you are planning a trip overseas, please contact the Member Resource Department at 978-632-2542 to ensure that your debit card is not restricted in the area where you are traveling.
  • To activate your new GFA MasterMoney Debit Card, you need to conduct an inquiry or other transaction at any ATM.
  • You can change your PIN (Personal Identification Number) at any GFA ATM or by calling 800-448-8268.
  • GFA MasterMoney Debit Cards are accepted anywhere MasterCard is accepted.
  • Free, point-of-sale transactions.
  • Surcharge-free use of GFA ATMs and SUM ATMs.
  • Your monthly checking account statement will list all of the transactions you conduct with your MasterMoney Debit Card.  These transactions can be viewed anytime through GFA's Home Banking. 
  • The cards we issue are protected by Fraud Watch PLUS. If suspicious activity is noticed on your card, Fraud Prevention Services will call to notify you. If they can not reach you, they will temporarily block your card and leave a message to call them back at 1-866-842-5208.

Direct Deposit

Save time and money by having your payroll, pension, Social Security or other recurring check deposited electronically in your GFA Federal Credit Union account. Contact your employer, Social Security or Pension administrator to establish Direct Deposit to GFA Federal Credit Union. Our routing number is 211383066.

Insured Deposits

For your peace of mind, the National Credit Union Share Insurance Fund (NCUSIF) insures the money you invest at GFA Federal Credit Union up to the maximum amount allowed by law. And regardless of where you live, GFA members also benefit from additional deposit coverage provided by the Massachusetts Share Insurance Corporation (MSIC).

Member Rewards

As a not-for-profit financial institution owned by you, our Members, GFA is committed to the Credit Union philosophy of "People Helping People".  With this philosophy in mind, our Member Rewards program is designed to pass savings on to you in the form of higher interest rates on certificates including IRA certificates.

Choosing GFA as your primary financial institution gives us the opportunity to best assist you in planning and attaining your financial goals.  You benefit from our wide range of innovative and competitive solutions, while your relationship with GFA earns you greater savings through Member Rewards.

You earn Member Rewards as you utilize GFA products and services. You may qualify for Better Banking Rates* with a maximum .25% increase, as determined by the type of GFA products and services you utilize.  You qualify by maintaining of the following banking relationships:         
  • A GFA loan product (excluding Personal Credit Accounts), earns a .10% better banking rate increase or earn a .10% better banking rate increase for at least 5 years of GFA Membership.
  • Personal Checking Account with a direct deposit earns a .10% better banking rate increase.
  • Personal Checking Account with electronic statements earns a .05% better banking rate increase.                        

Another benefit of our program is that we’ve made it easy to use - you don’t have to track points or use coupons.  Your Member Rewards are calculated when you open a new certificate and we apply the rewards directly to your rate. 

Next time you need a certificate, look to GFA first and ask us how you can save more with your Member Rewards! 

Online Banking

Now you can conduct your banking from the comfort and convenience of your home - or anywhere you have internet access - anytime of the day or night. This free service keeps you up-to-date and in control. Not only can you view all of your GFA accounts and transfer funds between them, you can also take advantage of our free PC Bill Pay service and start streamlining all of your monthly check writing. If you haven't already, why not sign up today!

Payroll Deduction

Make it easy to add to your investments or repay your loans through Payroll Deduction. You stipulate how much money you want directed to various accounts.Make my Move to GFA with the EZ Switch Kit

Safe Deposit Boxes

Enjoy secure access and peace of mind by placing your important documents or valuables in a safe deposit box. Our centrally located Parker Street Branch in Gardner offers safe deposit boxes in a variety of sizes.

Virtual Branch

In order to use our Virtual Branch, you must be a member of GFA Federal Credit Union. If you are not already a member, please stop by and visit any of our branch locations and open an account to get you started on the path toward financial security.

Wire Transfers

Transfers can be made by wire to or from your Checking or Share Account. Wire Transfers can be conducted when you need to quickly and conveniently move funds from one institution to another.Call us at 978-632-2542 or click here to print a wire transfer request form. In order to complete a wire transfer, member must deliver the request form in person to one of our branch locations. You may also mail or fax the form that has been properly notarized.A fee will be charged to your account for this service.

GFA members can also take advantage of the following services:

  • Notary Public
  • Medallion Signature Guarantees
  • Bank-by-Mail
  • Purchasing and Redeeming US Savings Bonds
  • Money Orders and GFA Voucher Checks






Norton Secured Equal Housing Lender Member MSIC Sum ATM NCUA
Federally insured by NCUA