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  • Deposit Accounts

    • Deposit Rates and Fees

    Deposit Interest Rates

    Anticipated yields & rates are current as of August 1, 2019. Rates are subject to change without notice.

    Truth in Savings Disclosure

     

    SHARES (SAVINGS ACCOUNTS)
    ACCOUNT RATE TYPE RATE APY MIN BALANCE
    Savings* Variable 0.10 0.10% None
    Holiday Club Variable 0.25% 0.25% None
    Coverdell ESA Variable 1.00% 1.00% None

    Fees can reduce earnings on the account.
    *Includes Regular, Prime Time, and Kid's Club accounts
    Minimum deposit required to open is $5.00. 
    CHECKING ACCOUNTS
     
    ACCOUNT RATE TYPE RATE APY MIN BALANCE
    Simply Checking * N/A 0.00% 0.00% $0
    Capital Checking ** Variable 0.05% 0.05% $200
    Prime Time Checking * Variable 0.00% 0.00% $0
    IRA Savings Variable 0.25% 0.25% $500

    Fees can reduce earnings on the account. 

    *$5.00 monthly fee applies if not enrolled in eStatements
    **$5.00 monthly fee applies if balance falls below $200.00. Dividends paid on balances above $200.00.
    *$25 is required to open Prime Time and Simply Checking accounts; 

     

    MONEY MARKET ACCOUNT
     
    BALANCE TIER RATE TYPE RATE APY
    $2,5000.00 and above Variable 0.70% 0.70%

    $2,500 minimum balance is required to open account and earn dividends. Fees can reduce earnings on the account.

     

    CERTIFICATES
     
    ACCOUNT/TERM RATE TYPE Up to $49,999 $50,000+ MIN BALANCE
    180 Day Certificate Fixed 1.100% 1.20% $500.00
    12 Month Certificate Fixed 2.50% 2.70% $500.00
    18 Month Certificate Fixed 3.50% 3.70% $500.00
    24 Month Certificate Fixed 2.50% 2.70% $500.00
    36 Month Certificate Fixed 2.50% 2.70% $500.00
    48 Month Certificate Fixed 2.50% 2.70% $500.00
    60 Month Certificate Fixed 2.50% 2.70% $500.00
    12 Month Kids Club Fixed 2.50% 2.700% $100.00

    On all certificate accounts above, Generations may impose a penalty for early withdrawals. Fees can reduce earnings on the account.
    Certificate rates and programs are subject to change.
    Dividends are computed daily, paid monthly, or at maturity. The annual percentage yield listed above assumes dividends remain in the account until maturity. 

     

    APY = Annual Percentage Yield       APR = Annual Percentage Rate

     

    Fee Schedule

    FEE SCHEDULE        
             
    Checking Account Fees     Club Account Fees  
    Check printing                                 $1.00 per item   Holiday Club Account Fees  
    NSF $30.00 per item   Early Withdrawal $10.00 per withdrawal
    ATM overdraft $30.00 per item      
    One-time debit overdraft $30.00 per item      
    Overdraft Protection $30.00 per item      
    Returned Item $30.00 per item      
    Stop Payment $10.00 per request      
    Capital Checking Account Fees        
    Below balance $5.00 if minimun daily balance is not met      
    Simply Checking Account Fees      
    Mailed Statement $5.00 per month if not enrolled in eStatements      
    Money Market Account Fees        
    Excessive Withdrawal $15.00 fee per withdrawal (if more than 6 withdrawals per month)
             
    EFT Fees     Safe Deposit Box Fees  
    ACH overdraft $30.00   3"x5" $20.00 per year
    Card replacement $10.00   3"x10" $35.00 per year
    Debit Card Overdraft $30.00   6"x10" $50.00 per year
    Debit Card Cancelled by GCU for Abuse $25.00   9"x10" $80.00 per year
    Stop Payment of ACH $10.00   Change Locks $50.00 + locksmith cost
    Checking account closed for Abuse $25.00   Drilling of Boxes At cost - approximately $250
    Nonproprietary ATM Withdrawal/Transfer                                     $1.00   Key Replacement $25.00 + locksmith cost
             
    Other Service Fees        
    Foreign Check Processing Fee $20.00 per hour  
    Account Reconcilliation $20.00 per hour  
    Automatic Overdraft Transfer $5.00 per transfer      
    Cashier's Check $2.00 per check (no charge if to a member)      
    Dormant Account  $5.00 per month (after 1 year)  
    Garnishment/Levies $25.00 per item      
    Inactive Account $5.00 per month (after 1 year)  
    Legal Process $0.25 per copy      
    Statement Copy $1.50 per statement copy    
    Wire Transfer (incoming) $0.00 per transfer      
    Wire Transfer (outgoing) $25.00 per transfer      
    Copy of Cashiers Check no fee      
    Stop Payment on Cashiers Check $10.00 each (only allowed if loast/stolen)  
    Check Cashing fee $3.00 each if account balance is below $100.00  
    Document Retrieval $3.00 per page; $20.00 per hour, minimum $20.00  
             
    The rates and fees listed are accurate as of 01/01/2021. If you have any questions please call the Credit Union.

    Deposit Accounts

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    Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, Generations Credit Union suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated please contact Generations Credit Union by phone or at your nearest office. Thank you. If you "Continue", the link will open a new email message in your default email program.

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