Higher Returns. Easy Access to Funds.
Money Market Accounts require a $2,500 deposit to open with tiered dividend rates.
Easy Money Market Accounts require a $10,000 deposit to open and one single dividend rate.
To open a Money Market account, a minimum of a $2,500 deposit is required. A savings account must be open with a $10 pledge balance in order to open additional accounts. Please see rates for more information.
You will need to complete an updated membership application. To do so, visit one of our branch locations, give us a call at 1-800-645-4728 or email us at members@gscu.org. Please note, all accountholders are required to sign to add or update beneficiaries.
Any accountholders can call or email and we will send them the membership application to sign and return either by email, fax or US mail.
You will need to provide their name, address, date of birth, and social security number. Providing their phone number and/or email address is also helpful to ensure we get in touch with them if the need arises.
Beneficiaries are not given rights to an account unless all owners have passed away. There is no involvement from them in order to be added. They do not sign, so they do not need to come in. This does mean you can add beneficiaries without them being aware of it and it is your responsibility to inform your beneficiaries. However, a beneficiary being aware does make the process easier and could mean faster disbursal of funds, as it eliminates GSCU trying to locate or contact the beneficiary if made aware of the owner’s passing. It may also eliminate funds sitting if we are unaware that the owner has passed.
If you are unsure who you have named as a beneficiary, reach out to us at a branch location, via phone at 1-800-645-4728, or email at members@gscu.org.
Basic Savings | Advantage Savings | Advantage Plus Savings | Money Market | Easy Money Market | Alert Me | |
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Minimum Deposit to Open | $10 | $10 | $50,000 | $2,500 | $10,000 | |
Minimum Balance to Earn Dividends | $10 | $500 | $50,000 | $2,500 | $10,000 | |
Earns Dividends | Yes | Yes | Yes | Yes | Yes | |
Tiered Dividend Rates | No | Yes | No | Yes | No | |
Free Check Images with eStatements | N/A | N/A | N/A | Yes | Yes | |
Free Check Copies via OnLine Banking | N/A | N/A | N/A | Yes | Yes | |
Free OnLine Banking | Yes | Yes | Yes | Yes | Yes | |
Free Mobile Deposit | Yes | Yes | Yes | Yes | Yes | |
Free eStatements | Yes | Yes | Yes | Yes | Yes | |
Free Payroll Direct Deposit | Yes | Yes | Yes | Yes | Yes | |
Thousands of Shared Credit Union Locations | Yes | Yes | Yes | Yes | Yes | |
Free Instant-Issue ATM Card | Yes | Yes | Yes | Yes | Yes | |
Surcharge-Free ATMs (GSCU or Co-Op ATMs) | Yes | Yes | Yes | Yes | Yes | |
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Deposit Required to Open Account | Minimum Required to Earn APY | Dividend Rate | Annual Percentage Yield (APY) | Alert Me |
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$2,500 | $2,500 | .10% | .10% | |
$2,500 | $25,000 | .50% | .50% | |
$2,500 | $50,000 | .75% | .75% | |
$2,500 | $100,000 | 1.50% | 1.51% | |
$2,500 | $250,000 | 1.75% | 1.77% | |
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request. | ||||
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Deposit Required to Open Account | Minimum Required to Earn APY | Dividend Rate | Annual Percentage Yield (APY) | Alert Me |
---|---|---|---|---|
$10,000 | $10,000 | .40% | .40% | |
Rate may change after the account is opened and is subject to change without notice. Dividends are compounded daily and will be credited to your account monthly. Fees and other conditions could reduce the earnings on these accounts. Please refer to our separate Schedule of Fees and Truth in Savings disclosure for more information. Available upon request. | ||||
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