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How to Get Help

Everyone encounters new challenges and opportunities, and we strive to anticipate and address those situations as they occur. Whatever happens, you'll have our experts to walk you through all your options, so you feel confident in your decisions.

 

Contact Us

As a Gallup FCU member, you deserve someone who will go the extra mile for you. Feel free to contact us anytime during business hours and we will be happy to help!

Our Opening Hours

Monday-Friday 8:30 a.m.-4:30 p.m. Central Time

Our Location

Gallup FCU 1001 Gallup Drive Omaha, NE 68102

P.O. Box 2593 Omaha, NE 68103

Important Information

ABA Routing Transit Number 104089574 NMLS#: 799741


HSA-Related Questions MEDSURETY

Phone
952-303-5700
Toll Free
888-816-4234
customerservice@medsurety.com

Contact Us

Phone
402-938-6800 800-317-3095
Fax
402-938-5918

Changing Your Pin 800-992-3808

After Hours Lost/Stolen Card 800-554-8969

Frequently Asked Questions

FAQs About Deposit Services (Deposits)

We provide instant credit up to $1,000 for all checks you deposit, no matter how you deposit them. Whether you are making a deposit through shared branching, an ATM, mobile deposit or at our Riverfront location, you will receive credit quickly. There are few exceptions to this immediate credit of your funds, but we do reserve the right to hold funds at our discretion for the maximum amount of 11 business days, allowed by law.

There is no hold for direct deposit funds. Direct deposits of payroll are available immediately for the full amount.

To view your current available balance, please log in to online banking and enter your username and password. The first screen will show your account summary with the available balances in all of your accounts. If you do not know your username and password, please call us at 800-317-3095 or email us at credit_union@gallupfcu.com to reset this information. You can also download our mobile app, "Gallup FCU Mobile," to view your account history quickly from your phone or mobile device.

If you have recently made a deposit at our location, a shared branching location, an ATM or through our mobile application and it was greater than $1,000, the amount over $1,000 will be placed on a hold for three business days.

Gallup FCU places no holds on direct deposits. Any delay in receiving your direct deposit means we have not yet received it from your employer. If we receive those funds in advance of your payday, they will be made available to you immediately.

Direct deposits are made available daily by 8 a.m. If you have recently made a deposit of more than $1,000 at our location, a shared branching location, an ATM or through our mobile app, the amount over $1,000 will be placed on a hold for three business days.

If you are a Gallup employee, simply enter your Gallup FCU routing and account numbers into Gallup's Oracle Cloud platform and you are all set. For other direct deposits, please provide your employer with your Gallup FCU routing and account numbers.

If you are paid biweekly, there are two months in the year when you will receive three paychecks. Loan payroll deductions will appear only on the first and second paychecks of those months.

FAQs About Deposit Services (Plastic Card Services)

Yes. There are, however, only a few situations when it is possible to do this. An outstanding debit card authorization is the amount immediately deducted from your available balance while the bank waits for the final settlement request from the merchant, which can take several days. A final settlement request is an instruction from the merchant to the bank to deduct the exact amount of your final purchase. It follows the debit card authorization request and completes the transaction. While the majority of transactions are settled within one business day, the actual timing rests with the merchant and is out of the financial institution's control.

Keep in mind that, until the final settlement, the outstanding authorization amount may be larger or smaller than your actual purchase amount. In some cases, when final settlement is delayed, the outstanding authorization is released, which causes your available balance to appear larger than you might otherwise expect.

FAQs About Loan Services

You can elect to pay your loan in a variety of ways. These include setting up payroll deductions, automatic transfers from your checking or savings account, automatic electronic transfers from an outside financial institution, or manual cash or check payments.

FAQs About Member Services

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.

FAQs About Gallup FCU

We offer many solutions for remote access, so no matter where you live, banking with Gallup FCU can be easy.

Option 1. Shared branching is a complete solution to any teller transaction need you might have. We provide access to more than 5,000 shared branch locations across the country. Click here to find a shared branch that is convenient for you.

Option 2. Online banking provides you with access to many services that would at times use a teller to complete. These include transfers, check withdrawals, viewing account balance and history, and retrieving statements.

Option 3. Our mobile app will allow you to make transfers, deposit checks with the click of a button, and locate the nearest shared branch or ATM. To download this app, search "Gallup FCU Mobile" in the iOS app or Google Play store.

Option 4. ATM access can be found by using our surcharge-free ATM Locator.

Membership is open to all full- and part-time Gallup associates and their immediate family members. Immediate family members include parents, grandparents, children, grandchildren, siblings and those living in the same household.

To unlock your account, please call us at 800-317-3095 or email us at credit_union@gallupfcu.com.

If you enter an incorrect username and/or password three times, the system will lock you out. Prior to your third attempt, you have the option to select "forgot my password" beneath the login area. You will need to know your username or member ID to have a temporary password emailed to the email address we have on record for you.

The first thing you should do if you notice fraudulent charges is cancel your card immediately by calling us at 800-317-3095 or through the lost/stolen number at 800-554-8969. (The system will ask for your full SSN to verify your identity.)

We provide instant credit up to $1,000 for all checks you deposit, no matter how you deposit them. Whether you are making a deposit through shared branching, an ATM, mobile deposit or at our Riverfront location, you will be able to receive credit quickly. There are few exceptions to this immediate credit of your funds, but we do reserve the right to hold funds at our discretion for the maximum amount of 11 business days, allowed by law.

Money Manager is an online money management tool, securely integrated into online banking, that empowers you to take control of your finances and simplify your life. Budgeting, account aggregation, automatic categorization and debt management are just a few of the tools available to you within this member benefit. To set this up, log in to online banking, hover over "Services" from the navigation on the left side of the screen and select Money Manager.

ATM/Branch Locator

Need cash? We've got you covered!

With Gallup FCU, you have access to 30,000 surcharge-free ATMs across the nation. Just look for these ATM logos:

Plus and Co-op ATM Logos

How to Find a Surcharge-Free ATM

To find a surcharge-free ATM, view the Co-Op Surcharge-Free ATM Network or ATM Locator:

Shared Branching | Co-Op ATMs | Alliance One ATMs

Ready to Open a Gallup FCU Account?

Start here, open a $5 minimum, regular-share savings account, and become a Gallup FCU member today!

Our Rates and Fees

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

Our Loan Rates

Loan Type Base Rate
Personal From 12.99% to 18.00% APR
Overdraft protection (for free checking) From 16.50% to 18.00% APR variable
Personal line of credit From 11.50% to 15.00% APR variable
New auto (2022 or newer) From 5.99% to 18.00% APR
Used auto (2021 or older) From 6.24% to 18.00% APR
Recreational vehicle From 6.49% 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) 6.00% APR
Gallup stock line of credit - 75% Loan to Value (LTV) From 8.50% to 13.50% APR variable

Please note: Your loan rate may vary depending on your credit score.

The U.S. National Prime Rate published in the Wall Street Journal, effective June 30th, 2023 interest rate of 8.25%.

Click here to apply for a loan today!

Our Loan Fees

Fee Type Rate
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

Savings/Secondary Savings/IRA

Account Balances Annual Percentage Yield Industry Average (money market rates)
Below $3,000 0.75% 0.62%
$3,000 to $9,999.99 0.85% 1.03%
$10,000 to $24,999.99 1.15% 1.20%
$25,000 to $99,999.99 1.35% 1.32%
$100,000 and over 1.45% 1.64%

Effective: 10/1/2024

Item Fee
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 direct deposit ($5.95 without direct deposit)
Stop payment fee $20
Check copy fee $2 per check
Personalized checks Varies by style

Savings/Secondary Savings/IRA

Account Balances Annual Percentage Yield Industry Average (money market rates)
Below $3,000 0.20% 0.31%
$3,000 to $9,999.99 0.30% 0.37%
$10,000 to $24,999.99 0.50% 0.46%
$25,000 to $99,999.99 0.60% 0.53%
$100,000 and over 0.70% 0.64%
Term $1000 Minimum $10,000 Minimum $50,000 Minimum Industry Average ($10k)
6 months 2.00% 2.00% 2.10% 2.33%
12 months 2.75% 2.75% 2.85% 2.61%
18 months 3.00% 3.00% 3.10% 2.39%
24 months 3.00% 3.00% 3.10% 2.31%
30 months 3.00% 3.00% 3.10% 2.25%
36 months 3.00% 3.00% 3.10% 2.19%
42 months N/A 3.00% 3.10% 2.17%
48 months N/A 3.00% 3.10% 2.16%
54 months N/A 3.00% 3.10% 2.19%
60 months N/A 3.00% 3.10% 2.22%

Special Programs

Type Term Annual Percentage Yield Minimum Balance
Save to Win -- CD 12 months 2.00% $25

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 June 28, 2024

Miscellaneous Fees Pertaining to All Accounts

Fee Type Rate
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 $35/hour
Shared branching (four free transactions per month) $2/transaction after first four

Savings

Fee Type Rate
Stop payment $20/item
Dormant account $10/month after 12 months

Plastic Cards

Fee Type Rate
Card replacement $10 per card
ATM transaction fee (non-Gallup FCU) Four free per month/$2 each thereafter
Non-reloadable gift card fee $3.95 per gift card

Other

Fee Type Rate
Express Mail delivery Actual cost
Domestic outgoing wire transfer $20
International outgoing wire transfer $40