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About Your Membership

A membership at Gallup FCU gives you more than just a bank account. We care about the person behind the account, and we want to see you achieve financial success — no matter how you measure it!

How to Become a Member

Gallup FCU 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.

1
Apply

Simply click the button below to start your application by filling in some personal details.

2
Verify

Sit back and relax while we check your application. We’ll get back to you within 24 hours.

3
Done

Enjoy the perks of your new Gallup FCU account.

 

Membership Benefits

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.

Shared Branch and ATM Locator

A branch or ATM is always within reach, even when you're out of town.

Co-Op Shared Branching

Anywhere you see the Co-Op Shared Branch logo, you'll find an office where you can conduct your credit union business. There are more than 5,000 shared branch locations, and that number continues to grow! Click here for a full list of shared branching locations. We've partnered with credit unions nationwide, enabling you to make account withdrawals and deposits at any credit union in the country. Just have your account information handy.

ATM Locator

You have access to 30,000 surcharge-free ATMs across the nation. Look for these ATM logos:

Plus ATM and Co-Op ATM logos

To find a surcharge-free ATM, view the Co-Op Surcharge-Free ATM Network or ATM Locator (allianceone.coop).

Online and Mobile Banking

Manage all of your Gallup FCU accounts with ease — straight from your pocket.

Online Banking

Manage all of your Gallup FCU accounts with ease. Our online banking and mobile app platforms are like having your own Gallup FCU branch in your pocket.

Anytime Access

  • Online banking is available 24 hours a day, anywhere in the world.
  • Verify account balances and transfer funds.
  • Apply for a loan online.
  • Open new accounts online.
  • View, save and print monthly statements.

Mobile Banking

Put Us In Your Pocket

Access all of your Gallup FCU accounts on your mobile device with our simple, secure mobile app. Check out some of the features the app has to offer:

  • Deposit checks with the click of a button: Sign the check, snap a photo and upload it to our mobile app to instantly make a deposit.
  • Make transfers: Move funds between accounts, make loan payments, set up recurring transfers and more!
  • View account history.
  • Receive e-alerts and notifications.
  • Obtain account summaries.
  • Locate the nearest shared branch or ATM.

Download our free app from your preferred app store. Simply search "Gallup FCU Mobile."

Money Manager

Aggregate all your accounts, track spending, create budgets and more.

Great Rates

Our not-for-profit status allows us to offer higher dividends on savings accounts, lower interest rates on loans and low fees.

Get Your Money Sooner

Payday comes early — direct deposit with Gallup FCU allows you to receive your paycheck as soon as your employer releases it (up to three days in advance).

Fee Waiver Benefit

Enjoy a special bundle of no-fee banking services!

Gallup FCU's Fee Waiver Benefit

Gallup employees get a special bundle of no-fee banking services by setting up a company payroll direct deposit into an existing personal Gallup FCU checking account.

Please note: Fee waivers apply only to eligible Gallup FCU accounts receiving all or a portion of Gallup's direct deposit.

Checking Fees Standard Fees
NSF Transaction (paid or returned) $30
Check Card NSF Transaction $30
ACH NSF Transaction $30
Wire Transfer $20
Overdraft Transfer From Savings $5 per transfer (incremental transfers of $500)
Cashier's Check Fee $5
Check Copy Fee $2 per check
Duplicate Statement Copy $2 per statement period
Deposited Item Return $20 per item
Shared Branching Usage Fee $2 per transaction after the first four
In-Network ATM Usage Fee $2 per transaction after the first four
Stop Payment $20
Card Replacement $10 per card

Fees After Waivers Applied1

$0

1Fee waivers apply only on checking accounts receiving a minimum of $1,000/monthly on Gallup's direct deposit.

 

Membership FAQs

Take a look at our most frequently asked membership questions below.

Still have questions? Let us know how we can help.

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.

Immediate family and household members (including roommates) of current Gallup FCU members are eligible to join. Immediate family includes:

  • parents
  • grandparents
  • spouses
  • siblings
  • children (including adopted and stepchildren)
  • grandchildren

You can do this quickly and easily by accessing our online locator. Our Shared Branch Locator requires only a ZIP code to locate the branches that are most convenient to you. With more than 5,000 branches nationwide, chances are you will find one close to your home or work.

You can find one quickly and easily by accessing our online ATM Locator. You have access to 30,000 surcharge-free ATMs across the nation. The locator requires only a ZIP code to locate the surcharge-free ATMs that are closest and most convenient to you.

DocuSign is the leading eSignature solution in the market — allowing easy, efficient and secure signing of electronic documents. It's accessible anytime, anywhere, on any device. We use this source for different documentation you may need to sign, such as loan documents and member applications. This helps us reduce paper while adding an extra measure of convenience for our members.

You can make transfers between your Gallup FCU accounts within online banking. Log in, hover over "Accounts," and select "Transfers." You will be able to select both the "from" and "to" accounts from a drop-down list. Include the amount you wish to transfer and select "Continue" to complete the transfer.

To pay an individual electronically, you must be an online Gallup FCU Bill Pay user. You would simply set up a payee with their name and address, and a check will be cut and mailed directly to them from this service.

To make a transfer to another Gallup FCU member, that member will have to provide you with their account number and account suffix first. Once that information has been provided, you can log in to online banking, hover over "Accounts" from the navigation on the left side of the screen, and select "Transfers." You will select the account you wish to make the transfer from in the "Transfer From" drop-down, and in the "Transfer To" drop-down, select "Other Account." Two additional boxes will appear where you will enter the member's account number and account suffix. Include the amount to transfer and click "Continue" to complete the transfer.