Get rewarded for everyday spending with a free checking account that offers debit card rewards, pays dividends, and gives you ATM rebates! No fees. No minimum balance required. Open a free checking account today in minutes.
If you have many accounts, use the Share Insurance Estimator to help determine how you can structure them to remain under NCUA insurance.
Effective Date: Wednesday, December 7, 2022
| Account | Dividend Rate | APY* | How to Open | |
|---|---|---|---|---|
| FREE Checking** | Up to $10,000 | 2.469% | 2.50% | |
Business Checking | $1,000 min to earn | 0.050% | 0.05% |
*APY = Annual Percentage Yield. All dividend rates and APY may change at any time, as determined by GLCU Board of Directors. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates and Holiday Savings Accounts. Additional account information is provided in separate Account Disclosures.
**Balances up to $10,000 will earn the stated dividend rate and the portion of the balance over $10,000 will earn the standard savings dividend rate. Dividends will be paid on ONE FREE Checking Account per member. Fees could reduce earnings.
Minimum requirements to earn Free Checking dividends:
You must be enrolled in eStatements, and an active user of GLCU's online Bill Pay or Mobile Banking.
Visit any of our convenient branches, call us toll free at (800) 982-7850 to speak with a representative.
 Branches & ATM |  Calculators |  Deposit Rates |  Support |
*APY = Annual Percentage Yield. All dividend rates and APY may change at any time, as determined by GLCU Board of Directors. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Additional account information is provided in separate Account Disclosures.
Balances up to $10,000 will earn the stated dividend rate and the portion of the balance over $10,000 will earn the standard savings dividend rate. Dividends will be paid on ONE FREE Checking Account per member. Fees could reduce earnings.
Savings-only membership may be subject to qualifications to avoid a monthly fee. See fee schedule for full details.
Minimum requirements to earn Free Checking dividends:
1 Depends on when your payor sends funds. Early direct deposit is available for GLCU members with a checking or savings account who have set up electronic direct deposit with their employer or other payor into their eligible GLCU checking or savings account. Certain non-payroll and tax payments are not eligible for early direct deposit. Direct deposits may be available up to one day before the settlement date (the date your payor tells GLCU to release the funds to you), however GLCU is dependent on the timing of your payor’s payment instructions so you may not see all direct deposits, or every direct deposit, arrive early.
