Services Offered At GEORGIA GUARD CREDIT
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.
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 $25.00 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.
MASTERCARD 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 can be accepted electronically from any employer
or other financial institution to be deposited to your share
account or share draft account.
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.
CERTIFICATE OF DEPOSITS:
Certificate of Deposits can be opened with a minimum deposit
of $1,000.00. Our rates are competitive and we can usually match
rates from other financial institutions.
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
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
FEES and SERVICE CHARGES