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!
Loan Type | Base Rate |
---|---|
Personal | From 7.49% to 18.00% APR |
Overdraft protection (for free checking) | From 12.00% to 18.00% APR variable |
Personal line of credit | From 7.25% to 15.25% APR variable |
New auto (2018 or newer) | From 3.24% to 18.00% APR |
Used auto (2017 or older) | From 3.99% to 18.00% APR |
Recreational vehicle | From 4.99% to 18.00% APR |
Share secured | 3.25% APR |
Primary mortgage | Contact Us. Rate changes daily. |
Home equity | Contact Us. Rate changes daily. |
Gallup stock (new stock purchases) | From 4.75% to 4.95% APR |
Gallup stock line of credit - 75% Loan to Value (LTV) | From 3.25% to 8.25% 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 December 31, 2020 is 3.25%.
Account Balances | Annual Percentage Yield | Industry Average (money market rates) |
---|---|---|
Below $3,000 | 0.10% | 0.09% |
$3,000 to $9,999.99 | 0.10% | 0.11% |
$10,000 to $24,999.99 | 0.25% | 0.13% |
$25,000 to $99,999.99 | 0.25% | 0.16% |
$100,000 and over | 0.25% | 0.20% |
Term | $1,000 Minimum | $10,000 Minimum | $50,000 Minimum | Industry Average ($10k) |
---|---|---|---|---|
6 month | 0.40% | 0.40% | 0.40% | 0.20% |
12 month | 0.50% | 0.50% | 0.50% | 0.31% |
18 month | 0.50% | 0.50% | 0.50% | 0.45% |
24 month | 0.70% | 0.70% | 0.70% | 0.50% |
30 month | 0.70% | 0.70% | 0.70% | 0.60% |
36 month | 0.80% | 0.80% | 0.80% | 0.69% |
42 month | N/A | 0.80% | 0.80% | 0.73% |
48 month | N/A | 1.00% | 1.00% | 0.77% |
54 month | N/A | 1.00% | 1.00% | 0.82% |
60 month | N/A | 1.00% | 1.00% | 0.87% |
Save to Win - CD | 12 months | 0.50% APY | $25 Minimum Balance |
Industry average is for MMA (money market accounts) and CDs (certificates of deposit) with similar minimum balance requirements
Rates as of December 31, 2020
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 |
Reloadable travel card fee | $6.95 per travel card, $3.95 per reload |
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:
Congratulations to our Save-to-Win Winners for the month of December!!
Christopher B, Shawn K, Amit B and Brigham V.
Please contact Medsurety at 888-816-4234 or email customerservice@medsurety.com with any HSA related questions.
Fast Facts
Routing #: 104089574
1001 Gallup Drive, Omaha NE 68102
Connect With Us
1.800.317.3095
Call 1.800.992.3808 to change your PIN number
Find a Shared Branch or Surcharge-Free ATM