General Credit Union
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CREDIT UNION PRODUCTS
The credit union offers a full line of financial services for members. From basic savings to the most sophisticated financial planning services, General Credit Union can meet your financial needs day to day and for the future. Here is a list of services available: ASI
Equal Housing
Accounts
GCU Rewards
 
 

Member Rewards Program

      
  Gold Silver Bronze Student/Child Senior
Account Balance Over $10,000 $500-10,000 Below $500 Below $500 Below $500    
Member's Age
25 yrs + 25 yrs + 25-54 0-24 yrs 55 yrs +    
Regular Checking         (Non-Dividend Bearing) FREE FREE FREE FREE FREE    
Bill Pay FREE FREE FREE FREE FREE    
Check Cashing Fee FREE FREE $2.00 / item      (if less than $100 on deposit at time of visit) FREE FREE    
Check Purchase           (Special Edition Checks)
Discount per box* Discount per box* At cost Discount per box* Discount per box*    
ATM/Debit Card Replacement FREE $5.00 / card $10.00 / card $5.00 / card $5.00 / card    
Cashier's Check / Money Order                                                                                                        (paid to someone other than member) FREE $2.00 / check $2.00 / check $2.00 / check $2.00 / check    
Overdraft Protection (transfers from savings per occurrence) FREE $1.00 / trans. $2.00 / trans. $1.00 / trans. $1.00 / trans.    
Traveler's Checks (per $100) / Checks for 2 $1.00 / $2.00 $1.00 / $2.00 $1.00 / $2.00 $1.00 / $2.00 $1.00 / $2.00    
Certificate Rate Bonus ($2,500 minimum) .20% increase .10% increase No rate increase .10% increase .10% increase    
Loan Rate Discount .20% discount .15% discount No loan discount .10% discount .10% discount    
               
Some restrictions may apply.  All other GCU fees remain in effect and are disclosed on our fee schedule (on the reverse side).  If you or your spouse have two different accounts at GCU, please contact us so we can link both accounts for maximum benefits.  Review and categorizing of accounts will occur quarterly  except for new accounts which will be categorized after the first month.  Account balances are based on average daily balance including certificates, at the time the program is run.  * Limited to 1 box per order and 2 box per year at the discounted price.  The third box of checks is at normal cost.    
               
Business Rewards Program
Basic Business Premier Business
Account Balances $5 - $1000 (combined daily balance average) $1,000+ (combined daily balance average)          
Regular Checking (Non-dividend bearing) $3.00 FREE          
Check Cashing Fee $2.00 / check (if less than $100 on deposit at time of visit) FREE          
Overdraft Protection (Transfer from savings per occurrence) $2.00 / transaction FREE          
Cashier's Check / Money Order (Paid to someone other than member) $2.00 $2.00        
Certificate Rate Bonus ($2,500 min. deposit or rolled over certificates of $2,500 or more.) No Increase .15% increase      
Bill Pay FREE FREE  

 

 

 

  
               

 


Savings Accounts
Regular Savings
Christmas and Vacation Club Accounts

Money Market "Money 1" Account
$2500 minimum balance paying market rates.

Checking Accounts
Fee Free if monthly average balance is maintained at required level. Low monthly service charge if balance falls below minimum requirement. Call for current minimums.

Individual Retirement Accounts
Including periodic deposit accounts and share certificates. Other investment alternatives are available. Transfers from employee-sponsored pension plans are welcomed.

Share Certificates
Terms can range from six months to five years. Minimum investment requirements apply.

Payroll/ACH Deductions and Direct Deposit
Accepting ACH transactions and federally recurring payments such as social security and military pay.

ACH Deductions
Including insurance, utility, and other authorized payments.
VISA Credit Card

Cash advances made anywhere including ATM machines around the country. Several options are available. E-Mail or call General Credit Union at (260) 471-5544 or 800-889-5554 to request your Visa application.
Loans
Vehicle Loans
A variety of terms and programs are available.

Mortgage Loans
First and second mortgages, equity lines and other mortgage products.

Signature Loans
Loans for nearly any purpose.
Other Products
Telephone-Teller
Free service to all members that allows telephone access to your account 24-hours a day. Call (260) 471-4874 or 1-800-640-0502 to access service.

Automated Teller Machines
Nationwide access to your credit union funds with a credit union ATM card. Minimal fees for some transactions.


GCU OnlineInternet access to your account.

 

 

 


Notary Public Service and Medallion Stamp Guarantee

Safe Deposit Boxes
Riviera Ct. office only.

Money Orders, Travelers Checks, and Cashier's Checks
Special Member's Clubs
Silver Connection
Members 55 and older.

Loot for Lucas
Members 12 and younger.


Each account is insured up to $250,000 by American Share Insurance.
By members' choice, this institution is not federally insured.
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