General Accounts Fee
Closing a new membership within 90 days $5.00
Dormant Accounts - 12-23 months $5.00/mo.
Dormant Accounts - 24 months + $10.00/mo.
GCFCU Teller (cashier’s) Check or Certified Check to third party $3.00 per check
Stop payment after 90 days $10.00 per check
Photocopy of cleared check
Free on Home Banking
$1.00 per draft
Non-Sufficient Funds (NSF) for any item attempting to clear $22.00 per item
Transfer from available shares to cover NSF $3.00 per transfer
Stop Payment on check(s), ACH and withdrawal(s) $22.00 per hit
Returned Deposit Item $14.50 per item
Counter Checks $1.00 per check
Balancing of Account by staff member
First time free
$5.00 per month
Money Market - more than 5 transactions (excluding deposits) per month $5.00 each afterwards
Club Accts - one withdrawal free per year, each additional withdrawal $5.00
Youth Club Acct
Up to one withdrawal per quarter no fee
2nd withdrawal closes acct
Share Certificate/IRA’s early withdrawal fee
plus up to two previous quarter’s interest earned depending on term of certificate
$50.00
Lucky Saver Certificate early withdrawal fee
plus 6 months waiting period to re-open account
$25.00
Teen Certificate early withdrawal loss of dividends/closes acct
Health Savings Acct (HSA) Annual Maintenance Fee $10.00
HSA Account Closure/Transfer Fee $10.00
Electronic Services
CardNav by CO-OP App Free
Text Banking Free
E-Statements Free
Voice Response Unit (VRU) Free
Home Banking & Mobile App Free
GC Express “Bill” Pay unlimited transactions Free
GC Express Pay - Transfer money to recipients bank account Free
GC Express Pay - PayPal a Person using phone number or email $1.00
GC Express Pay - Expedited Electronic Payment $10.00
GC Express Pay - Expedited Overnight Payment $35.00
GCFCU VISA Debit Card
Visa Debit Card replacement
First time free
$5.00 per request
ATM withdrawal
First 8 free
$0.55 each additional time
Loans
Refinancing of existing Loan more than once a year $25.00
Interest rate reduction on a Home Equity Loan $250.00 up to 1 time per year
Wire Transfers
Wire Transfers (within the U.S.) $15.00
Incoming Wire Transfers $10.00
International Wire Transfers $50.00
Wire Transfer to OwnersChoice Funding $5.00
Miscellaneous
Money Orders $1.25
Money Order Stop Payment $40.00
Fax Receiving $1.00
Fax Sending $1.50
Copies First two copies free $0.15 per page
Statement reprint $1.00 per month
Returned Statement / Bad Address $5.00
Coin Machine
Member Free
Business Member 6%
Non-Member 6%

Account Disclosures

Minimum Deposit (Open & Maintain) Fee
New Members $5.00
Billy's Club Accounts $1.00
Teen Certificates $25.00
Holiday/Vacation Clubs $10.00
Lucky Saver Certificates $25.00
Share Certificates $500.00
IRA Share Certificates $1,000.00

Statements

All members will receive a quarterly statement for share, escrow, club, share certificate and loan accounts. In addition, a monthly statement will be issued for share draft accounts, which will include the YTD dividend earned, monthly dividend amount, and any fees imposed.

Dividends

All dividend rates and yields for Share, Share Draft and Club Accounts are variable and may change weekly.

Regular Shares

No minimum balance requirements, but a min. average daily balance of $100.00 is required to earn dividends. The dividend is calculated on the average daily balance of the account and posted the last day of the month.

Share Draft

Do not require a min. average daily balance to earn dividends. The dividend is calculated on the average daily balance of the account and posted the last day of the month.

Club Accounts

$10 minimum balance required, but does not require a min. average daily balance to earn dividends. The dividend is calculated on the average daily balance of the account and posted the last day of the month.

Share Certificates

The dividend rate is fixed and set at the time the account is opened. The dividend is compounded and posted quarterly.

Accounts closed before the end of a dividend period will not be paid an adjusted dividend.