Rates and Fees

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!

Rates

Loan Rates

Loan Type Base Rate
Personal From 8.99% to 18.00% APR
Overdraft protection (for free checking) From 15.50% to 18.00% APR variable
Personal line of credit From 10.50% to 15.00% APR variable
New auto (2022 or newer) From 5.24% to 18.00% APR
Used auto (2019 or older) From 5.49% to 18.00% APR
Recreational vehicle From 6.49% to 18.00% APR
Share secured 4.00% APR
Primary mortgage Contact Us. Rate changes daily.
Home equity Contact Us. Rate changes daily.
Gallup stock (new stock purchases) 6.00% APR
Gallup stock line of credit - 75% Loan to Value (LTV) From 7.50% to 12.50% APR variable

Your loan rate may vary, depending on your credit score.

The U.S. National Prime Rate published in the Wall Street Journal, effective March 18, 2024 is 8.00%.

Savings/Secondary Savings/IRA

Account Balances Annual Percentage Yield Industry Average (money market rates)
Below $3,000 0.20% 0.31%
$3,000 to $9,999.99 0.30% 0.37%
$10,000 to $24,999.99 0.50% 0.46%
$25,000 to $99,999.99 0.60% 0.53%
$100,000 and over 0.70% 0.64%

Certificates of Deposit

Term $1,000 Minimum $10,000 Minimum $50,000 Minimum Industry Average ($10k)
6 month 0.80% 0.80% 0.85% 0.81%
12 month 1.10% 1.10% 1.15% 1.19%
18 month 1.20% 1.20% 1.25% 1.11%
24 month 1.40% 1.40% 1.45% 1.18%
30 month 1.45% 1.45% 1.50% 0.97%
36 month 1.50% 1.50% 1.55% 1.15%
42 month N/A 1.60% 1.65% 1.14%
48 month N/A 1.70% 1.75% 1.14%
54 month N/A 1.80% 1.85% 1.17%
60 month N/A 1.95% 2.00% 1.21%

Certificates of Deposit -- Special Programs

Save to Win - CD 12 months 1.00% APY $25 Minimum Balance
       

All rates expressed in terms of APY (Annual Percentage Yield)

Industry average is for MMA (money market accounts) and CDs (certificates of deposit) with similar minimum balance requirements

Rates as of April 18, 2023

Miscellaneous Fees Pertaining to All Accounts
Monthly e-statements Free
Monthly paper statement $2/month
Duplicate statement copies $2 per statement period
Deposited item return $20/item
Negative balance charge $30/item
Account reconciliation $35/hour
Shared branching (4 free transactions per month) $2/transaction after first 4
Savings
Stop payment $20/item
Excessive withdrawal/transfer $5 after 6 per month
Dormant account $10/month after 12 months of inactivity
Checking
NSF transactions -- paid or returned $30
Check card NSF transactions $30
ACH NSF transactions $30
Overdraft transfer from overdraft protection loan Free. Interest rates may apply.
Overdraft transfer from savings $5 per transfer (incremental transfers of $500)
Online Bill Pay Free with checking account
Stop payment fee $20
Check copy fee $2 per check
Personalized checks Varies by style
Negative Balance Fee $30
Plastic Cards
Card replacement $10 per card
ATM transaction fee (non-Gallup FCU) 4 free per month/$2 each thereafter
Non-reloadable gift card fee $3.95 per gift card
   
Other
Express Mail delivery Actual cost
Domestic outgoing wire transfers $20
International check conversion $20
International outgoing wire transfer $40
Card advance fee ($2,000 daily limit) $35
Non-Member check cashing fee 1% of the check amount ($3.00 minimum)
Loan Fees
Consumer loan late fee (15 calendar days) $30
Real estate loan late fee (15 calendar days) 5% of monthly payment
30-day loan extension fee (skip payment) $25
Loan refinance fee (existing GFCU loan only) $50/loan

Important Alerts:

All visitors are required to make an appointment one day prior to entering the Gallup Campus. Call us at 402-938-6800

Gallup FCU will be closed on Monday, May 29th in observation of Labor Day.

Fast Facts

Routing #: 104089574

1001 Gallup Drive, Omaha NE 68102

Connect With Us

1.800.317.3095

credit_union@gallupfcu.com

Call 1.800.992.3808 to change your PIN number

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