Share Drafts

Our share draft (checking) accounts have no monthly fees and no minimum balance requirements. There are no limits on how many checks you can write, and as long as you maintain a minimum balance of $500, you will even earn dividends.

For your convenience, GCFCU also accepts Direct Deposits.

Over age 55? You'll receive one order of checks per year, on us.

Savings

There are a number of options available to make the most of your savings, and all are insured to at least $250,000 by the National Credit Union Administration, a division of the federal government.  You can deposit in person, by mail, or through a payroll deduction if your employer offers it.

A regular share (savings) account with a minimum of $100 earns quarterly dividends, based on your average daily balance at the end of the quarter.

Christmas and Vacation Clubs make saving for special occasions easy. The Christmas Club "year" starts in October and runs through September 30th, though you can join at any time. Your balance is deposited automatically into your share account by the 10th of October.  Vacation Clubs are perfect, whatever your destination or budget -- you are allowed two withdrawals a year (subsequent withdrawals within that year carry a $5 fee per withdrawal.)

You can take advantage of Payroll Deduction to painlessly build your Club balances. For your convenience, we offer automatic renewal of Payroll Deductions for Christmas Clubs.

Investment Planning

Also federally insured by NCUA, our flexible investment options offer competitive interest rates. Certificates of Deposit (CDs) may be opened with as little as $500. Rates are guaranteed for the term of the investment.

You can start an IRA (Individual Retirement Account) with a minimum deposit of $100, and start earning compounded interest, paid quarterly. The IRS may allow you to deduct part or all of your IRA contribution from your taxes. Additionally, all earnings on your IRA are tax-free until you withdraw.

Check with your certified accountant or tax preparer for details. There are penalties for early withdrawal of these investments. Dividends and rates are subject to frequent change, so check with the credit union for current information.

VISA Credit Cards

Convert your high-interest credit cards in to a GCFCU VISA card for better rates, more value, and no annual fee.  Our loan officers can help you find the right VISA plan for your lifestyle and needs.

VISA Debit Cards

Take charge of your spending with a debit card. Your VISA debit card works like a check at any merchant who accepts VISA, and functions as an ATM on Star, Cirrus, or Pulse ATM networks.  Combine the convenience of a credit card with the immediacy of a checking account.

Free Checking
	No monthly fees or minimum balance requirements make our share draft accounts a great value. Direct Deposit and Payroll Deduction options insure your money is right where you want it, when you want it.

Access your VISA Card account online.  Click here to log on.