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About Your Membership

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!

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About Your Membership > How to become a member

How to Become a Member

Gallup FCU 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.

1
Apply

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

2
Verify

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

3
Done

Enjoy the perks of your new Gallup FCU account.

Become a Member

Refer & Earn with Gallup Federal Credit Union

Love banking with Gallup FCU? Share the benefits with your family or coworkers—and get rewarded!

When an eligible family member or Gallup associate joins Gallup Federal Credit Union and mentions your name on their application, both of you get rewarded!

Referring Member

  • $25 applied immediately when new member account is opened and funded
  • Continue referring! There is no limit to the number of referral rewards for existing Gallup FCU members.

Note: minor accounts are not eligible for Referral Program participation

New Member

Up to $100

  • $25 when you open your account
  • $75 bonus when one of the following qualifications is met within 90 days of account opening:*
    • qualifying* direct deposit of at least $200 to Gallup FCU account
    • Finance a personal or auto loan with Gallup FCU
    • Refinance a personal or auto loan with Gallup FCU

*See Referral Program Disclosure & Terms for complete details

Who is eligible for membership with Gallup FCU?

  • Current Gallup associates
  • Your immediate family
    • Parents
    • Grandparents
    • Spouses
    • Siblings
    • Children & grandchildren (Note: Minor accounts are ineligible for Referral Program participation)
 

Membership Benefits

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.

Shared Branch and ATM Locator

A branch or ATM is always within reach, even when you're out of town.

Co-Op Shared Branching

Anywhere you see the Co-Op Shared Branch logo, you'll find an office where you can conduct your credit union business. There are more than 5,000 shared branch locations, and that number continues to grow! Click here for a full list of shared branching locations. We've partnered with credit unions nationwide, enabling you to make account withdrawals and deposits at any credit union in the country. Just have your account information handy.

ATM Locator

You have access to 30,000 surcharge-free ATMs across the nation. Look for these ATM logos:

Plus ATM and Co-Op ATM logos

To find a surcharge-free ATM, view the Co-Op Surcharge-Free ATM Network or ATM Locator (allianceone.coop).

Online and Mobile Banking

Manage all of your Gallup FCU accounts with ease — straight from your pocket.

Online Banking

Manage all of your Gallup FCU accounts with ease. Our online banking and mobile app platforms are like having your own Gallup FCU branch in your pocket.

Anytime Access

  • Online banking is available 24 hours a day, anywhere in the world.
  • Verify account balances and transfer funds.
  • Apply for a loan online.
  • Open new accounts online.
  • View, save and print monthly statements.

Mobile Banking

Put Us In Your Pocket

Access all of your Gallup FCU accounts on your mobile device with our simple, secure mobile app. Check out some of the features the app has to offer:

  • Deposit checks with the click of a button: Sign the check, snap a photo and upload it to our mobile app to instantly make a deposit.
  • Make transfers: Move funds between accounts, make loan payments, set up recurring transfers and more!
  • View account history.
  • Receive e-alerts and notifications.
  • Obtain account summaries.
  • Locate the nearest shared branch or ATM.

Download our free app from your preferred app store. Simply search "Gallup FCU Mobile."

Money Manager

Aggregate all your accounts, track spending, create budgets and more.

Great Rates

Our not-for-profit status allows us to offer higher dividends on savings accounts, lower interest rates on loans and low fees.

Get Your Money Sooner

Payday comes early — direct deposit with Gallup FCU allows you to receive your paycheck as soon as your employer releases it (up to three days in advance).

Fee Waiver Benefit

Enjoy a special bundle of no-fee banking services!

About Your Membership > Gallup FCU's Fee Forgiveness > 2026-02 [UPDATE]

Gallup FCU’s Fee Forgiveness

Gallup FCU members with qualifying monthly direct deposit to their Gallup FCU checking receive a special bundle of no-fee banking services—automatically. No stress. No hoops. Just our way of saying thanks for being part of our credit union family.

Please note: Fee Forgiveness is available to members with monthly direct deposits totaling $1000 or more to their Gallup FCU checking account originating from employer payroll, government benefits (e.g., Social Security), or pension payments.

Checking Fees Standard Fees
NSF Transaction (paid or returned) $30
Debit Card Negative Balance Charge $30
ACH Transfers $5
Domestic Wire Transfers $20
Stop Payment $20
Cashier’s Check* $5
*When issued directly by Gallup FCU

with Fee Forgiveness1

$0

1Fee Forgiveness applies to checking accounts receiving a minimum of $1,000/month in *qualifying direct deposits

 

Membership FAQs

Take a look at our most frequently asked membership questions below.

Still have questions? Let us know how we can help.

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.

Immediate family and household members (including roommates) of current Gallup FCU members are eligible to join. Immediate family includes:

  • parents
  • grandparents
  • spouses
  • siblings
  • children (including adopted and stepchildren)
  • grandchildren

You can do this quickly and easily by accessing our online locator. Our Shared Branch Locator requires only a ZIP code to locate the branches that are most convenient to you. With more than 5,000 branches nationwide, chances are you will find one close to your home or work.

You can find one quickly and easily by accessing our online ATM Locator. You have access to 30,000 surcharge-free ATMs across the nation. The locator requires only a ZIP code to locate the surcharge-free ATMs that are closest and most convenient to you.

DocuSign is the leading eSignature solution in the market — allowing easy, efficient and secure signing of electronic documents. It's accessible anytime, anywhere, on any device. We use this source for different documentation you may need to sign, such as loan documents and member applications. This helps us reduce paper while adding an extra measure of convenience for our members.

You can make transfers between your Gallup FCU accounts within online banking. Log in, hover over "Accounts," and select "Transfers." You will be able to select both the "from" and "to" accounts from a drop-down list. Include the amount you wish to transfer and select "Continue" to complete the transfer.

To pay an individual electronically, you must be an online Gallup FCU Bill Pay user. You would simply set up a payee with their name and address, and a check will be cut and mailed directly to them from this service.

To make a transfer to another Gallup FCU member, that member will have to provide you with their account number and account suffix first. Once that information has been provided, you can log in to online banking, hover over "Accounts" from the navigation on the left side of the screen, and select "Transfers." You will select the account you wish to make the transfer from in the "Transfer From" drop-down, and in the "Transfer To" drop-down, select "Other Account." Two additional boxes will appear where you will enter the member's account number and account suffix. Include the amount to transfer and click "Continue" to complete the transfer.