Account Services

Anticipated yields & rates are current as of September 1, 2024. Rates are subject to change without notice.

Savings Accounts

Account	Rate Type	Rate	APY	Minimum Opening Deposit
Savings	Variable	0.10%	0.10%	None
Kid's Club Savings	Variable	0.10%	0.10%	$5
Holiday Club	Variable	0.25%	0.25%	$5
Money Market	Variable	0.70%	0.70%	None

Fees can reduce earnings on the account.

Account	Rate Type	Rate	APY	Minimum Opening Deposit
Simply Checking	N/A	0.00%	0.00%	$25
Capital Checking*	Variable	0.05%	0.05%	$25
Prime Time Checking	Variable	0.00%	0.00%	$25
1st Priority** Checking	Variable	0.05%	0.05%	$25

Fees can reduce earnings on the account. Refer to Fee Schedule below.

*Dividends paid on balance $200.00 and above, $200 minimum balance required to avoid $5 monthly fee.

**Dividends paid on balance $200.00 and above. $7 monthly fee.

Account	Minimum Balance to Open	Rate Type	Rate	APY
Traditional/Roth IRA Savings	Variable	0.25%	0.25%	$25
Education IRA	Variable	1.00%	1.00%	$25

On all certificate accounts, 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

Checking Account Fees

Capital Checking Account Fees

Below balance $5.00 per month if minimum daily balance is not met

Simply Checking Account Fees

Mailed Statement $5.00 per month if not enrolled in eStatements

1st Priority Checking Account Fees

$7.00 per month

Holiday Club Account Fees

Early Withdrawals $10.00 per withdrawal

EFT Fees

ACH Overdraft	$30.00
Card Replacement	$10.00
Debit Card Overdraft	$30.00
Debit Card Cancelled by GCU for abuse	$25.00
Stop Payment of ACH	$10.00
Checking Account closed for abuse	$25.00
Nonproprietary ATM Withdrawal/Transfer	$1.00

Safe Deposit Box Fees

Other Service Fees

Foreign Check Processing Fee	$20 per hour
Account Reconciliation	$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 lost/stolen)
Check Cashing fee	$3.00 each if account balance is below $100
Document Retrieval	$3.00 per page; $20.00 per hour, minimum $20.00

The rates and fees listed are accurate as of September 1, 2024. If you have any questions please call the Credit Union.