We offer our members three different programs to better suit their individual needs:

Interest Checking
Personal checking with interest

How it works
Interest Checking is a personal-checking account that pays interest. It pays interest at a 0.75% annual rate. It pays that interest from the day of deposit to the day of withdrawal and credits monthly that interest to the account.

The amount of interest credited monthly is the sum of the interest for each day of the month. The interest for each day is the product of the balance in the account for that day and a rate of interest equivalant to 0.75% per year (0.75% / 365). However, the account does not pay interest on any day in which the balance in the account is less than $1,000.

With monthly crediting (compounding) of interest, the annual-percentage yield ("APY") of the account is 0.78%.

If the balance in the account is at least $1,000 for every day of the month, then the account imposes no service charge for that month. However, if the balance in the account is less than $1,000 for even one day during the month, you pay a service charge of $7 for that month.

What you get
With Interest Checking you get:

• all of the benefits listed in the Summary of Benefits below;
• 0.75% interest on your balances; and
• no service charge if you maintain the minimum balance of $1,000.

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Traditional Checking
Personal checking with low, easy-to-avoid fees

How it works
Traditional Checking imposes no service charges if your balance remains $400 or more every day of the month. If your balance falls below $400 at any time during the month, you pay a service charge of $5 for that month.

No service charge with direct deposit
Regardless of the balance in your account, you pay no service charges for that month if you directly deposit into your Traditional Checking your social security or other government check, your paycheck, or your retirement check.

What you get
With Traditional Checking you get;

• all of the benefits listed in the Summary of Benefits below;
• no service charges if you maintain the minimum balance of $400; and
• no service charges if you use direct deposit.

Business Checking
Simple bill-paying, record-keeping, and cash management for businesses, organizations, and nonprofit corporations

How it works
With Business Checking you pay $5 per month service charge and $0.25 per check processed.

What you get
With Business Checking you get:

• no minimum-balance requirement;
  
• no charge for each check deposited;
  
• no charge for each deposit slip;
  
• no charge for coin orders;
  
• no charge for coin deposits;
  
• no charge for mandatory, automatic tax and loan payments to the U.S. Treasury;
  
• unlimited night deposits after purchase of the bag for $25;
  
• when activated, up to three (3) automatic transfers per month from your share 1 or share 2 (savings) account to cover overdrafts for a low fee of $2 per transfer;
  
• unlimited use of telephone banking, free;
  
• automatic transfers to pay GCU loans and mortgages, free;
  
• automatic payments of loans and mortgages at other institutions if any, free;
  
• interest on excess funds transferred to your share 1 or share 2 (savings) account; and if you qualify,
  
• a no-annual-fee, secured overdraft line of credit; and
  
• a no-annual-fee corporate VISA-credit card.

NCUA
National Credit Union Administration
A U.S. Government Agency

Click here to compare the benefits of each checking program!