Deposit Accounts

Share Savings Accounts

This is the account that establishes you as a member of Guardian Federal. You are a member when you open your account and maintain the minimum par shares. Unlike a Bank that charges you fees to maintain an account, at GFCU you are a member owner! A Share Savings Account is your gateway to savings and the other opportunities, products and services that Guardian offers.

Competitive Rates - We pay you to save for your future wants and needs!
Savings for the future - To buy your wish list items or take that long awaited vacation!
No monthly fees or services charges – Unlike the Banks, we don’t charge you to save!
Dividends compounded and paid quarterly – Make money while you save!
NCUA insured – Safety and soundness guaranteed!
Open now - The ease and convenience of opening an account online!

Share Draft Checking

Once you have opened your Share Savings Account you may want to open our Share Draft Checking. It’s truly the checking account that’s free and gives you the convenience and access you need when combined with our free Debit Card, Online Account Access, Bill Pay and Shared Branching you can live and go almost anywhere and still have access to your funds.

No monthly fees or charges - It’s FREE!
No minimum balance - Keep as little or as much in your account as you need!
Unlimited check writing - Write as many checks as you need with no charge!
Open now - The ease and convenience of opening an account online!

Share Certificates

Certificates allow members to save money by locking into our highest dividend rates with a pre-determined maturity date. These can be used for savings or for retirement accounts. We have a variety of different terms to choose from between 6 months to 5 years. We also have 3 specialty Certificates you can only get at GFCU, they are our

9 month Add2it - minimum balance (open with $1,000.00)
You may add to your certificate in increments of $1,000 as often as you like.

Helps you save with a fixed rate for a short term plus add to your savings whenever you can

12 month Small Savers Add2it (open with $100.00)
You may add to your certificate in increments of $20.00 with an account transfer as often as you like

Helps even the smallest saver save for the future with a fixed rate and a short term

14 month Bump-Up+ (open with $2,500.00)
You may add to your certificate in increments of $1,000 as often as you like and should interest rates go up you may bump up your rate once in the life of your certificate.

Save with a short term fixed rate, add to it, plus you can bump it up once.

Competitive Rates - We pay you to save for your future wants and needs!
Minimum purchase as low as $100.00 – Almost anyone can afford to save!
Makes Money – Earn while you save (free money)!
Saves time – Automatically renews at maturity!
Peace of mind – It’s a secure investment!
Open now - The ease and convenience of opening a certificate online!

Money Market Accounts

Money Markets offer you a higher dividend rate than a regular Share Account; plus there are not any term restrictions on when you can withdraw your funds. GFCU’s Money Markets are referred to as an Investment Club and Investment Club + Accounts. These accounts require a minimum balance be maintained in order to draw interest.

Investment Club - minimum of $2,500
Investment Club +
      - Tier 1 - minimum of $5,000 to $24,999.99
      - Tier 2 - minimum of $25,000 to $74,999.99
      - Tier 3 - minimum of $75,000 up

Competitive Rates – We pay you to save for you future wants and needs!
Saves money – Just in case of that rainy day you’ve always heard about!
Makes money – Earn while you save (free money)!
Peace of mind – Save for the future without having your money tied up!

Club Accounts

GFCU has three different Club Accounts to choose from. You earn a higher rate of dividend than you would on a regular Share Account. These accounts are designed to help you save throughout the year with a limited need for the funds deposited.

The Christmas Club and the Vacation Club are designed to help you save for that great gift for your kids or that romantic vacation with your significant other. They require a minimum deposit to open of $10.00. Subsequent deposits can be set up on a scheduled transfer or made as often as you like for any amount that you like. Dividends are compounded and paid quarterly.

The Deferred Pay Club offers 10 month school employees a way to help them save throughout the year by deferring a portion of their pay to provide for funds when schools are closed for Christmas, Spring and Summer breaks. Minimum deposit to open is $10.00 and dividends are compounded and paid quarterly.

Saves money – For that perfect gift, vacation get-a-way or just to pay bills!
Makes money – Earn while you save (free money)!
Peace of mind – Save for the future without having your money tied up!
Convenient – Set up automatic transfers and we’ll do the work for you!

IRAs

IRAs (individual Retirement Accounts) are designed to help you save for your golden years. Some IRAs allow you to save without paying taxes on the funds until you begin to make withdrawals. Other IRAs offer tax-deferred earnings. We offer IRA Share Savings Accounts and IRA Share Certificates, Traditional and Roth. Please see our Rate Sheet and Debt & Wealth Management for options.

Saves money – In many cases it will add to your income or Social Security!
Makes money - Earn while you save (free money)!
Saves Time – Offers you an easy and convenient way to save for retirement!
Peace of mind – Gives you security knowing your principal will not be touched!