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 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 | 4.00% 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 5.50% to 10.50% 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 December 31, 2019 is 5.50%.
Savings/Secondary Savings/HSA/IRA
| Account Balances | Annual Percentage Yield | Industry Average (money market rates) |
|---|---|---|
| Below $3,000 | 0.35% | 0.23% |
| $3,000 to $9,999.99 | 0.35% | 0.26% |
| $10,000 to $24,999.99 | 0.45% | 0.32% |
| $25,000 to $99,999.99 | 0.60% | 0.35% |
| $100,000 and over | 0.60% | 0.45% |
Certificates of Deposit
| Term | $1,000 Minimum | $10,000 Minimum | $50,000 Minimum | Industry Average ($10k) |
|---|---|---|---|---|
| 6 month | 1.25% | 1.35% | 1.45% | 0.96% |
| 12 month | 1.35% | 1.50% | 1.75% | 1.36% |
| 18 month | 1.35% | 1.50% | 1.75% | 1.47% |
| 24 month | 1.55% | 1.85% | 2.05% | 1.59% |
| 30 month | 1.55% | 1.85% | 2.05% | 1.64% |
| 36 month | 1.60% | 1.90% | 2.10% | 1.75% |
| 42 month | N/A | 2.00% | 2.10% | 1.81% |
| 48 month | N/A | 2.10% | 2.20% | 1.87% |
| 54 month | N/A | 2.20% | 2.30% | 1.97% |
| 60 month | N/A | 2.30% | 2.40% | 2.05% |
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 December 31, 2019
| 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 | $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 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 | $10 |
| 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:
Due to the news of COVID-19 progression Gallup FCU will be going Virtual on Monday, March 16th. Our doors will be closed, but the Gallup FCU Team will continue to operate from their homes to assist you with your banking needs. Please don't hesitate to reach out to us via email or phone with any questions or concerns.
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
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1.800.317.3095
Call 1.800.992.3808 to change your PIN number
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