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 11.50% to 18.00% APR
Overdraft protection (for free checking) From 11.25% to 18.00% APR variable
Personal line of credit From 6.25% to 14.25% APR variable
New auto (2015 or newer) From 2.99% to 18.00% APR
Used auto (2014 or older) From 3.99% to 18.00% APR
Recreational vehicle From 4.99% 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) From 4.5% to 4.95% APR
Gallup stock line of credit -- 75% Loan to Value (LTV) From 4.25% to 9.25% 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 July 26, 2017 is 4.25%.

Savings/Secondary Savings/HSA/IRA

Account Balances Annual Percentage Yield Industry Average (money market rates)
Below $3,000 0.25% 0.14%
$3,000 to $9,999.99 0.25% 0.17%
$10,000 to $24,999.99 0.35% 0.20%
$25,000 to $99,999.99 0.50% 0.25%
$100,000 and over 0.50% 0.25%

Certificates of Deposit

Term $500 Minimum $10,000 Minimum $50,000 Minimum Industry Average ($10k)
6 month 0.50% 0.60% 0.75% 0.31%
12 month 0.75% 1.00% 1.10% 0.51%
18 month 0.75% 1.00% 1.20% 0.63%
24 month 1.00% 1.25% 1.35% 0.74%
30 month 1.00% 1.25% 1.35% 1.06%
36 month 1.00% 1.25% 1.50% 0.99%
42 month N/A 1.25% 1.50% 1.20%
48 month N/A 1.35% 1.60% 1.29%
54 month N/A 1.50% 1.75% 1.39%
60 month N/A 1.50% 1.75% 1.49%

Certificates of Deposit -- Special Programs

Save to Win - CD 12 months 0.75% APY $25 Minimum Balance
Save to Own - CD Matures annually on April 15 0.75% APY $50 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 July 26, 2017

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 reconcilement $25/hour
Shared branching (4 free transactions per month) $2/transaction after first 4
Savings
Stop payment $20
Excessive withdrawal/transfer $5 after 6 per month
Dormant account $10/month after 12 months
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)
Bill payer Free with direct deposit ($5.95 without direct deposit)
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
Reloadable travel card fee $6.95 per travel card, $3.95 per reload
Other
Express Mail delivery Actual cost
Domestic outgoing wire transfers $10
International check conversion $20
International outgoing wire transfer $40
Card advance fee ($2,000 daily limit) $35
Nonmember check cashing fee $5
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:

The Federal Reserve is now processing same day ACH debits.

Congratulations to this month's Save to Win winners: David S, Kasey H, Krista E, and Kamron W

Fast Facts

Routing #: 104089574

1001 Gallup Drive, Omaha NE 68102

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1.800.317.3095

Credit_Union@gallup.com

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