You are never too young to start practicing good financial habits!

Designed for teens and young adults ages 15 - 23, this checking account provides a way to practice money management skills and financial independence. Accountholders will also have access to a wide variety of educational materials, information and products to help them make smart financial decisions.


View Current Rates

Checking/Savings Account Rates

Effective Date: Monday, September 16, 2019

*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 Santa Saver 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. Also applies to Young Adult FREE Checking Account.

Minimum requirements to earn dividends:

  1. Maintain a monthly Direct Deposit of $500.00 or more. 
  2. 15 signature-based debit card purchases (no returns, PIN or ATM) totaling $150 or more. All purchases must be cleared and posted to your transaction history within the current month. Authorized or pending purchases do not qualify. 
  3. You must be enrolled in eStatements, and an active user of GLCU's online Bill Pay or Mobile Banking.

FREE Checking Monthly Requirements

If You Have...You Will Receive
  • $500 direct deposit
  • 15 signature-based debit card purchases (no returns, PIN or ATM) totaling $150 or more
  • eStatements
  • Pay one bill per month via bill pay or login to mobile banking once per month
  • 3.00% APY* reward on balances up to $10,000
  • No ATM fees at CO-OP Network ATMs
  • Reimburse up to $10 per month in ATM fees when made in the US and outside the GLCU / CO-OP ATM Network
  • No monthly fee
  • No minimum balance required
  • None of the above
  • No monthly fee
  • No ATM fees at CO-OP Network ATMs
  • No minimum balance required
  • FREE: eStatements, Bill Pay, Online & Mobile Banking