Share Savings Account

• A membership account that makes you eligible for all other GNCFCU products, services and benefits
• Must maintain only a $5 balance for membership
• Monthly dividends based on daily balance over $100 with quarterly statements
• No worry federally insured savings
• Low $50 opening requirement and minimum balance for no service charges
• 24-hour access through ATMs, On-line banking, and TeleBranch 1-800-945-8892
• May be used as security for a loan or overdraft protection for your GNCFCU Draft/Checking Account

Youth Savings Account

• A special savings account for persons under the age of 21 years
• A membership account that makes you eligible for all other GNCFCU products, services and benefits
• Must maintain only a $5 balance for membership
• Low $5 opening requirement
• No service charges  
• Monthly dividends with quarterly statements
• No worry federally insured savings

Christmas and Vacation Club Accounts

• Savings plans for special purposes holidays, vacations, taxes, and large purposes
• Easy to save with payroll deduction
• Competitive monthly dividends earned on daily balance over $100
• No service charges
• Offer flexible withdrawals
• Deposit any time
• Christmas Club accounts automatically transfer once a year
• No worry federally insured savings

Draft/Checking Account

• Regular checking account with low $50 minimum balance for no service charges
• Monthly statements
• Unlimited check writing
• No per check charges
• 24 access through ATMs and On-line banking
• Free debit card for purchases and easy convenience
• Free initial supply of checks for moving your checking account to GNCFCU  
• Overdraft protection options available
• Direct Deposit accepted

Term Share Certificate

• Low minimum deposit of $500.00
• Flexible terms from 3 months to 4 years
• High savings rates
• Dividends compounded and credited monthly on daily balance
• Flexiblity - dividends deposited or mailed
• Automatically renewed at current rate and term unless otherwise instructed
• Rates are guaranteed for the term of the account
• IRA Term Share Certificates available too
• May be used as security for a loan
• No worry federally insured savings

Individual Retirement Accounts

• Both Traditional and Roth IRAs available
• Open an IRA Share Savings account.....
  • No minimum balance required
  • Competitive monthly dividends earned on daily balance over $100
  • Dividends compounded and credited monthly
  • Direct deposit accepted
• Open an IRA Term Share Certificate
  • Low minimum deposit of $500.00
  • Terms up to 36 months
  • Dividends compounded and credited monthly
• No maintenance fees, so every dollar stays in your account earning dividends
• Competitive dividend rates
• Tax deferred earnings on Traditional IRAs until withdrawn
• Tax-free earnings and withdrawals on Roth accounts
• No worry federally insured savings

Coverdell Education Savings Accounts

• Contributions up to $2,000 per child, per year (if income eligible) until the child becomes 18
• Tax-free earnings, but contributions are not tax-deductible
• Qualified withdrawals are tax- and penalty-free
• Designed for parents and grandparents to fund children's schoolings
• Not limited to "college" education, available for elementary, secondary and post-secondary education
• Transfer funds from one child to another child in the family
• Age limits are eliminated for special-needs students
• Restrictions apply, contact our Member Service staff for details
• No worry federally insured savings