• Provides higher returns than most banks' savings accounts.
• Interest on this account is returned to the member in the form of dividends - currently 0.50% Annual Percentage Yield.
• Dividends are calculated daily and paid quarterly on the daily balance.
  
• The required minimum withdrawal on this account at any time is $25.
  
• Visit any GEFCU location to learn more or open an account.
  
• Click here for account rates, fees and conditions.

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Share Draft (Checking) Account
Earn dividends on your checking account with our Share Draft account. Like the Share Savings account, the GEFCU Share Draft account returns interest to members in the form of dividends.

• No monthly service charge if balance remains at $300 or above.
  
• No per-check charge (except for draft returns or transfers due to insufficient funds).
  
• Pays dividends with a minimum daily balance of $500.
  
• Dividends are calculated daily and paid monthly on the daily balance.
  
• Free Home Banking - Access your account 24-hours hours a day through our secure online banking website.
  
• Overdraft protection - Transfers can be made from your Share Savings account to cover insufficient funds.
  
• GEFCU Visa Debit^TM Card - Access cash from almost any ATM worldwide; no fees for GEFCU Visa Debit^TM Card usage at GEFCU locations.
  
• Free Checks - New accounts receive first box of checks FREE!*
  
• Visit any GEFCU location to learn more or open an account.
  
• Click here for account rates, fees, and conditions.

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Checking Unlimited Account
Expand your boundaries with the easy access and easy record keeping offered by our Checking Unlimited Account.

• No minimum balance($50 Minimum to open).
  
• No monthly service charge.
  
• No per-check charge or fees (except for draft returns or transfers due to insufficient funds).
  
• Overdraft protection - Transfers can be made from your Share Savings account to cover insufficient funds.
  
• GEFCU Visa Debit^TM Card - Access cash from almost any ATM worldwide; no fees for GEFCU Visa Debit^TM Card usage at GEFCU locations.
  
• Easy record keeping - Carbonless checks and monthly statements make record keeping a snap.
  
• Easy Access - Make deposits in person, by mail, ACH, direct deposit, or payroll deduction. You can also access your account through the 24-hour Audio Response system and through our secure online Home Banking link on the GEFCU website.
  
• Free Checks - New accounts receive first box of checks FREE!*
  
• Visit any GEFCU location to learn more or open an account.
  
• Click here for account rates, fees, and conditions.

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*Note: the Free Checks offer is limited to Blue Safety, Gold Safety, and Liberty Image check styles. Other styles can certainly be ordered at a nominal charge.

SWIS (Money Market) Account
With at least $2,500, you can open a SWIS account and earn dividends that are paid on a monthly basis.

• Earn 1.06% A.P.Y. Dividends are calculated daily and paid monthly.
  
• Check writing privileges are limited to 3 per month.
  
• There is a $500 minimum withdrawal or deposit.
  
• A $2,500 minimum balance is required to open and maintain your SWIS account.
  
• Visit any GEFCU location to learn more or open an account.
  
• Click here for account rates, fees, and conditions.

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Term Share Certificates
Open a Term Share Certificate with as little as $1,000 and earn higher returns.

• Certificates range in maturity from 1 to 36 months, with monthly dividends available.
  
• Minimum balance for terms less than one year: $2,500
  
• Minimum balance for terms one year or more: $1,000
  
• Visit any GEFCU location to learn more or open an account.
  
• Click here for Term Share Certificate rates, fees, and conditions.

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