Deposit Services

Primary Savings Account

Saving for your future is the most important step in achieving optimum financial well-being. That's why, before you do anything else with Gallup FCU, you must open a savings account. Our savings accounts provide a safe and secure place to store your hard-earned money, while our competitive interest rates allow your financial future to thrive.

Club Savings Account (Secondary Savings)

Saving for a big purchase can seem tiresome and daunting. Many often resort to putting big purchases they can't afford on credit cards, only to find themselves swimming in debt down the road. Our Club and Secondary Savings Accounts make saving a breeze. Whether you want to save for a vacation, a new car, or holiday gifts, you can deposit any part of your paycheck into a Club Savings Account to ensure you stay financially fit when it's time to make the purchase.

Checking

At Gallup FCU, we offer free checking accounts that are not only easy to set up, but also packed with invaluable features, such as free Visa debit cards, online banking, OneClick Bill pay, Shared Branching, and a vast network of credit union ATMs.

Key Features

• Free Visa check card
• Free online banking access 24 x 7
• Unlimited free OneClick Bill Pay
• No monthly fees
• No minimum balance
• Free Mobile Deposit
• Secure online banking access, including transfers, online statements, email or text alerts, check images, and more
• Overdraft protection available as a line of credit or automatic savings account transfers
• Surcharge-free ATM access, Nationwide Co-Op Shared Branching access, and more

Direct Deposit

Here's why many Gallup FCU members enjoy the benefits of direct deposit:

• It's easy to set up
  Simply fill out the direct-deposit change form and indicate the account number to which you'd like your paycheck credited.
• Payday comes early
  Many companies and government agencies electronically release your pay before your normal payday. Direct deposit with Gallup FCU allows you to receive that pay as soon as your employer releases it - up to three days in advance!
• It gives you enormous flexibility
  You have the freedom to decide where your money goes. Allocate any portion of your paycheck you choose to any savings, checking, or loan accounts you have at Gallup FCU.

Certificates of Deposit (CDs)

Put your dollars to work in a CD and enjoy the benefits of earning higher interest rates. It's a quick and easy process that'll get you on the path to smart savings and better earnings.

Key Features

• Terms from 6 months to 60 months
• Minimum deposits of $1,000, $10,000, and $50,000
• Dividends paid monthly
• Early Withdrawal Penalty - 90 to 180 days' earned interest
• Automatic Renewal
• 7-day grace period after the maturity date
• Federally Insured up to $250,000 by the NCUA

Save to Win CD

A Save to Win CD is a great way to win FREE money simply by saving! When you open a new account, just select the "Save to Win - CD" options within the application. You'll quickly be on the path toward real winnings!

Save to Win is a 12-month CD in which, with each $25 deposit you make, you receive one entry into a monthly drawing for cash prizes. There is no monthly deposit limit; however, you are limited to 10 entries per month into the drawing. It's likely that one of your friends has already won. Ask them how amazing it feels!

With the Save to Win CD comes a 12-month commitment. There is a $25 penalty for early withdrawal. After two early withdrawals, you are disqualified from prize drawings, but you can still save! For full terms, see the official Save to Win CD rules.

IRAs

Traditional and Roth IRAs are available through our subsidiary investment advisory firm, Guide Rock Capital Management.