Gallup Federal Credit Union
Ready to Refinance Your Auto Loan?
Refinance your auto loan with Gallup FCU, and we'll beat your current interest rate by 1.00% APR (as low as 2.99% APR)—or give you our best qualifying rate, whichever is better.
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Fees Don’t Belong in Your Budget
Say, “Goodbye!” to a bundle of banking fees when you set up monthly qualifying direct deposit to your Gallup FCU checking account totaling $1000 or more.
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Refer and Earn
Sharing the benefits of Gallup FCU pays off—for both you and your loved ones! New, referred members can earn up to $100 for joining Gallup FCU, and you earn $25 for every referral you send our way.
Learn more about the referral program
Who Can Join Gallup FCU?
If you are a Gallup FCU member, your immediate family is eligible for membership, too. Children, parents, siblings, partners, even roommates can join!
Member Benefits
Unlock Your Savings Potential with Gallup FCU
Whether you're a seasoned saver or trying to build better saving habits, Gallup FCU offers the perfect Certificate of Deposit (CD) to meet your needs. Enjoy competitive rates and know your money is working hard for you.
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How can we help you today?
Serving Gallup Employees and Their Families
As a credit union, we treat our "members" like family, and we are motivated by providing you and your family with the tools and resources for optimal financial wellbeing.
Who We Are
Our mission is to provide a safe and sound financial organization that leads a journey toward thriving financial wellbeing for all members through quality products, member education and superior service offered by a professional and caring staff.
Benefits of Being a Member
Membership is open to all full- and part-time Gallup employees and their immediate family members. Your membership can continue even if you move, change employment or retire -- once a member, always a member.
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Say Goodbye to High Loan Rates
Our not-for-profit status allows us to offer higher dividends on savings accounts, lower interest rates on loans and low fees. See our full list of rates and fees here.
| Type | Rate |
|---|---|
| Savings Accounts | 0.75% - 2.25% APY |
| 1 Year CD Rate | 3.00% APY |
| New Auto Loan | 4.87% APY* |
| Used Auto Loan | 5.20% APY* |
| Personal Loan | 8.99% APY* |
| *APY = Annual Percentage Yield. Loan rates listed above available for well-qualified members. Your loan rate may vary, depending on your credit score, loan term, and loan type. | |
Join Us Today
Joining Gallup FCU is easy and we're here to help. When you become a member, you unlock membership benefits that extend far beyond the personal service you can expect at Gallup FCU.
Helpful Articles and Information
Banking doesn't have to be confusing. See our full list of financial advice and wellbeing resources here on the Financial Wellbeing page.
Buying a Home
At Gallup FCU, we are committed to making your home loan experience the best it can be.
Financial Planning and Wealth Management
We strive to anticipate and address new opportunities and challenges as they occur.
Budgeting
Keeping a budget is the secret to staying financially afloat. Learn how to save money toward experiences, like vacations, gifts and more.