MEMBERSHIP

FEE
Join GCFCU Free
Membership Closure within 90 days $5.00
Inactive/Dormant Membership  
12-23 months no activity $5.00 per month
24+ months no activity $10.00 per month
SHARES AND CHECKING ACCOUNTS
Non-Sufficient Funds (NSF)  $22.00 per item
Transfer from available shares to cover NSF:   
Auto transfer Free
Manual transfer $3.00 per transfer
Courtesy Pay (C-Pay) Overdrafts  $22.00 per item
First 2 overdrafts per quarter Free
Overdraft items under $10.00 Free
All other overdrafts $22.00 per item
Stop Payment on check(s) and ACH's $22.00 per hit
Returned Deposit Item $14.50 per item
Counter Checks $1.00 per check
Balancing of Account by GCFCU first time free $15.00 per month
Share/IRA Certificates
Share Certificate early withdrawal fee $50.00 + dividends
Terms of 6-36 months 90 days' dividends
Terms of 60 months 180 days' dividends
IRA Certificate early withdrawal fee $50.00 + 180 days' dividends
Lucky Saver Certificate early withdrawal fee $25.00
2nd withdrawal (closes account) 6 month waiting period to re-open $25.00
Teen Certificate early withdrawal loss of dividends/closes acct
Money Market and Club Accounts
Money Market - 5 withdrawals per month, free $5.00 thereafter
Club Accts - 1 withdrawal per month, free $5.00 thereafter
Youth Club Acct - 1 withdrawal per month, free 2nd withdrawal closes acct
Health Savings Account
Health Savings Acct (HSA) Annual Maintenance Fee $10.00
HSA Account Closure/Transfer Fee $10.00
Loans
Refinancing of existing Loan - first time Free
each additional time $25.00 each
Interest rate reduction on a Home Equity Loan $250.00 up to 1x/year
Subordination fee $75.00 + recording/attorney fee
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 - 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
Visa Debit Card replacement with Expedited Shipping $5.00 + shipping cost
ATM withdrawal First 8 free $0.55 each additional time
Foreign Transaction Fee 1%
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
Coin Machine
Member Free
Member - Business purpose 6%
Non-member 6%
Coin Order/Purchase
Member Free
Business Member 6%
Non-Member 6%
Miscellaneous
Teller (Cashier's) Check or Certified Check $3.00 per check
Stop payment after 90 days $10.00 per check
Money Orders $1.25
Stop Payment $40.00* per item
Fax Receiving $1.00
Fax Sending $1.50
Returned Statement / Bad Address $5.00 per month
Copies First 2 copies free $0.15 per page
Non-Member check cashing (checks drawn off member & GCFCU Corp. Acct.) $3.00
Reproduction of Financial Records
Statement reprint $3.00 per month
with e-statements Free
Photocopy of cleared check $3.00 per draft
Copy of deposited items $3.00
Research Fee $25.00 per hour

* Money order stop opayment fee may change without notiec per vendor.

Account Disclosures

Minimum Deposit (Open & Maintain) Fee
New Members $5.00
Billy's Club Account $1.00
Teen Club Account $1.00
Teen Certificate $250.00
Teen Checking Account $25.00
Kasasa Cash Account $25.00
Kasasa Cash Back Account $25.00
Kasasa Saver Account $25.00
Holiday/Vacation Clubs $5.00
Lucky Saver Certificates $25.00
Share Certificates $500.00
IRA Share $100.00
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.

Youth Club Accounts

$1 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.