Deposit Services

All members must pay a one time/once lifetime membership fee of $20.00 (Waived) .

RE-LOADABLE VISA CARDS NOW AVAILABLE!
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.

 
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
$5.00
Unless $500
Average
$2.00
Unless $500
Average
$2.00
Unless $500
Average
$ 0
none
$ 0
none
Minimum
Balance
Requirements
None!
$25.00 *
$5.00 *
$25.00 *
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
Reloadable Visa
NONE
Check Writing Services
Unlimited, No per check charges
Unlimited, No per check charges
Unlimited, No per check charges
Credit Union issued checks on requests. Limit 6/Qtr. & must be a minimum of $10.00
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
MMAT, Internet Teller, and full member services
MMAT, Internet Teller, and full member services
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
Paid Quarterly, on accounts with $100 min. balance; Rate set by Bd of Dir.
Paid Quarterly, on accounts with $100 min. balance; Rate set by Bd of Dir.

CERTIFICATE   RATES
(Effective November 1, 2012-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 *
0.25% APY*
0.45% APY*
.50% APY*
.55% APY*
12 Months *
.60% APY*
.65% APY*
.70% APY*
.70% APY*
18 or 24 Months *
N/A

N/A

.75% APY*
.75% APY*
IRA Certificates*
N/A
No less than $5,000.00
12 Months 1.00%APY
24 Months 1.25%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.

***A minimum balance of $50 is required to open checking accounts; 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 Checking Accounts-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.