Deposit Services
All members must pay
a one time/once lifetime membership
fee of
$20.00 (Waived)
.
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| GGCU has partnered with
ICUL (Illinois Credit Union League) in offering a RE-LOADABLE
Visa Debit Card! No checking account is required, only
a savings membership. To submit an application, please
contact a member services representative at (478) 741-4428
ext. 11/12 or toll-free at (888) 999-4428. Terms and
conditions may apply. See the FAQ
page for more information. |
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E-Checking |
Classic
Checking
(Shr ID 15 or 16)
|
Silver
Cking
Active Duty M-day or age 55 or better
(Shr ID 15 or 16)
|
Regular Savings-Membership Shares
(Shr ID 0 )
|
Club Savings |
Monthly
Service Charge
|
$4.00
Unless $500
Average
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$4.00
Unless $500
Average
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$2.00
Unless $500
Average
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$ 0
none
|
$ 0
none
|
Minimum
Balance
Requirements |
|
$25.00 *
|
$25.00 *
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$5.00 *
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$25.00 *
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ATM & Visa
Transaction
Limits |
Limits vary**
Visa Debit & ATM
|
15 Free ATM /30 Free POS
Limits vary**
Visa Debit & ATM
|
15 Free ATM /30 Free POS
Limits vary**
Visa Debit & ATM
|
NONE
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NONE
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| Check Writing
Services |
Unlimited, No per check charges
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Unlimited, No per check charges
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Unlimited, No per check charges
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Credit Union issued checks on requests. Limit 6/Qtr. & must be a minimum of $10.00
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Credit Union issued checks on requests. Limit 1/Qtr. & must be a minimum of $10.00
|
| Phone &
Inquiry Services |
MMAT, Internet Teller, and full member services
|
MMAT, Internet Teller, and full member services
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MMAT, Internet Teller, and full member services
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MMAT, Internet Teller, and full member services
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MMAT, Internet Teller, and full member services
|
| Account Statements |
Monthly
|
Monthly
|
Monthly
|
Quarterly:
Jan., Apr, July, Oct
for previous
3 months
|
Quarterly:
Jan., Apr, July, Oct
for previous
3 months
|
Dividends
(Interest) |
None At This Time
|
None At This Time
|
None At This Time
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Paid Quarterly, on accounts with $100 min. balance; Rate set by Bd of Dir.
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Paid Quarterly, on accounts with $100 min. balance; Rate set by Bd of Dir.
|
(Effective
October 1, 2009-Call for RENEWAL Rates
)
** All Rates Are Subject to Change Daily **
Terms & Amounts |
$500 to $1099 |
$1100 to $ 5000 |
$5001 to $10,000 |
$10,001 & Over
|
6 Months *
|
% APY*
|
% APY*
|
% APY*
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% APY*
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12 Months *
|
% APY*
|
% APY*
|
% APY*
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% APY*
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18 or 24 Months * |
N/A
|
N/A
|
% APY*
|
% APY*
|
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30 Months *
|
N/A
|
N/A
|
% APY*
|
% APY*
|
ALL IRA CERTIFICATES
MUST BE A MINIMUM OF
$500.00
RATES are quoted as…ANNUAL PERCENTAGE
YIELD (APY*)
*Certificates are Subject to early withdrawal
penalties.
*We can match almost any rate!
Certificate Rates are Reviewed Weekly but are
Subject to Change at ANY Time
A MINIMUM DEPOSIT OF $500.00 IS REQUIRED ON ALL
CERTIFICATES.
*GGCU is currently not accepting any CD deposits. Please check back at a later date.
**The Certificate Rates above (if disclosed) are for current Certificates. All new Certificates, rates are 1% less.
***A minimum balance of $50 is required to open Classic & Silver checking; also savings accounts must maintain minimum of $5 balance.
****Direct Deposits on at least a monthly basis Are Required for ALL ATM & Debit cards, and individual limits may be lower for account holders that do not handle accounts responsibly. Please keep a registry for all transactions.
*****Visa Check/Debit Cards are only available on Classic & Silver checking-Applications will be sent upon request. OTHER Services: Automatic Bill Paying, Certificates and Club Savings Accounts are also offered. Club accounts require $25 minimum balance and one (1) withdrawal per quarter-others have a $10 fee assessed. Certificate minimums begin at $500 & rates vary, please contact us for more info on these accounts, their terms and rates.
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