Services Offered At GEORGIA GUARD CREDIT UNION

SHARE ACCOUNTS:
Open with $5.00, $5 minimum balance requirement, which is required to be eligible for any business transaction within the credit union. Balance of $100 required to begin accruing interest.

CLUB ACCOUNTS:
Open with $25.00, $25.00 minimum balance required. No monthly service charges apply to this account. Interest is paid quarterly when $100 is kept as a minimum. Rates on these accounts are set by the Board of Directors.

SHARE DRAFT ACCOUNTS:
Open with $50.00 if you wish to order checks and debit cards - No minimum balance requirement. There is a $2 monthly service charge for all checking accounts unless member is a Full-time Student or if a $500 average balance is maintained.

VISA DEBIT CARDS:
Debit cards are offered to customers with a checking account in good financial standings. Cards can be re-issued if lost, stolen, broke, etc. A replacement fee in increments of $10 will apply, depending on how many cards you have had.

DIRECT DEPOSIT:
Direct Deposit can be accepted electronically from any employer or other financial institution to be deposited to your share account or share draft account.

PAYROLL DEDUCTION:
You can set up a payroll deduction through your employer and have it distributed to as many other accounts as needed to make your life easier. You can also set up a set amount to be direct deposited to other accounts if you do not wish for your full paycheck to be distributed to one account.

INDIVIDUAL RETRITEMENT ACCOUNTS:
IRA’s can be set up with us or we can accept transfers or rollovers.

CERTIFICATE OF DEPOSITS:
Certificate of Deposits can be opened with a minimum deposit of $500.00. Our rates are competitive and we can usually match rates from other financial institutions.

LOANS:
The credit union offers a number of different kinds of loans including Signature Loans, New & Used Automobile Loans, Boats, Farm Equipment, Recreational Vehicles, Share Secured Loans, Personal Loans. REFER TO RATES FOR THE MOST CURRENT RATES.

RELOADABLE VISA CARDS:
Reloadable Visa Cards are now available. These cards are maintained by ICUL (Illinois Credit Union League). GGCU will order the first initial card for you. We can add funds to your card or you can visit
CU Money's website direct. This card does not require a checking account or direct deposit. It is not directly linked to your account so if it is ever lost or stolen, your account will not be at risk. For Terms & Conditions, please see our FAQ page.

FEES and SERVICE CHARGES