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Savings & Checking

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!

Savings Account

Saving for your future is the most important step in achieving optimum financial wellbeing. That’s why we encourage our members to open a savings account first.

Our savings accounts provide a safe and secure place to store your hard-earned money, while our competitive interest rates allow your financial future to thrive.

See Which Savings Account Is Right for You

Primary Savings Account

Looking to save a little extra cash or striving to build your financial success? Our primary savings accounts help you reach savings goals, prepare for emergencies and more.

  • Dividend rate 0.20%
  • APY 0.20%
  • Minimum balance $5
  • No monthly fee

Club Savings Account (Secondary Savings)

Saving for a big purchase can seem tiresome and daunting. Our club and secondary savings accounts make saving a breeze.

  • Dividend rate 0.20%
  • APY 0.20%
  • Minimum balance $0
  • No monthly fee

How to Open an Account

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.


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


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


In most cases, you’ll receive your new account details the very same day.

Checking Account

At Gallup FCU, we offer free checking accounts that are not only easy to set up, but also packed with invaluable features, such as free Visa debit cards, online banking, online bill pay, surcharge-free ATM access and nationwide shared branching access.

Benefits of Our Checking Accounts

No monthly fees and no minimum balance

Free Visa check card

Unlimited free OneClick Bill Pay

Free online banking access 24/7

Free mobile deposit

Overdraft protection available as a line of credit or automatic savings account transfers

Secure online banking access, including transfers, online statements, email or text alerts, check images, and more

Surcharge-free ATM access, nationwide Co-op shared branching access and more

Direct Deposit

Many companies and government agencies electronically release your pay before your normal payday. Direct deposit with Gallup FCU allows you to receive that pay as soon as your employer releases it — up to three days in advance!

Gallup Employees

As a Gallup employee, simply enter your Gallup FCU routing and account numbers into Gallup’s Oracle Cloud platform.

You can locate your Gallup FCU routing and account numbers by logging into Gallup FCU online or via mobile banking.

Not a Gallup Employee?

Simply locate your Gallup FCU routing and account numbers by logging into the Gallup FCU online or mobile banking platform and provide it to your employer.

Alternatively, you can provide your employer with a voided check or deposit slip.

Certificates of Deposit (CDs)

Put your dollars to work in a CD and enjoy the benefits of earning higher interest rates. It’s a quick and easy process that’ll get you on the path to smart savings and better earnings.

Key Features

Terms from 6 months to 36 months

Dividends paid monthly

Automatic renewal

Seven-day grace period after the maturity date

Early withdrawal penalty — 90 to 180 days’ earned interest

Minimum deposits of $1,000, $10,000 and $50,000

Federally insured up to $250,000 by the NCUA

Our Save to Win CD

A Save to Win CD is a great way to win FREE money simply by saving! You’ll quickly be on the path toward real winnings!

  • Fixed 12-month commitment
  • One entry per every $25 deposit (max. 10/month)
  • Monthly drawing for cash prizes
  • No monthly deposit limit

There is a $25 penalty for early withdrawal. After two early withdrawals, you are disqualified from prize drawings, but you can still save! For full terms, see the official Save to Win CD rules.

Individual Retirement Accounts (IRAs)

Traditional and Roth IRAs are available through our subsidiary investment advisory firm, Guide Rock Capital Management.