Savings Accounts :: Personal Services

Savings Accounts

SmartMoney Card

Members without a GECU checking account will receive a GECU SmartMoney ATM Card to provide you convenient access to your savings account from any GECU ATM. In addition you'll have instant access to your money from thousands of ATMs around the world displaying the Pulse or Cirrus logos. Use your SmartMoney ATM Card to:

Withdraw money from your designated account.
Check your account balance.
Use the depository at any GECU ATM.

Savings Accounts	Minimum Balance to Open	Minimum Balance to Earn Dividends	Dividend/Interest Payment Period	Special Requirements	Special Features
Share Account (Regular Savings) Represents your ownership or "share" of the credit union	$20	$100	Paid quarterly on the last business day of the quarterly statement periods on March, June, September and December.		Free* ATM Card
Youth Accounts			Paid quarterly on the last business day of the quarterly statement periods of March, June, September and December		Child receives age-specific educational materials, a small register to keep track of each transaction and a special gift when the account is opened.
Triker Club	$20	$20		Newborn to 5 years
Biker Club	$20	$20		6 years to 12 years
Hiker Club	$20	$20		13 years to 18 years
Christmas Club Accounts A savings account specifically for the holidays.	$10	$10	On November 1, the funds will be deposited to the account you designated plus earned interest through the end of October.	Can be opened any time between November 1st and March 31st.	Deposit as much and as often as you like, but withdrawals are not allowed.
Senior Privilege Accounts	$20	$20	Paid quarterly on the last business day of the quarterly statement periods of March, June, September and December.	Exclusively for members 60 years and older.	A 15-basis-point bonus on all CDs including Jumbo CDs Free Single Signature Traveler's Checks. Special checking privileges.**
There may be transaction fees charged by the owner of non-GECU ATMs. *Refer to our Checking Account brochure for information about our Senior Privilege Checking.
In addition to the above, all GECU share/savings accounts offer the following benefits: 24/7/365 access to account information over the phone through SmartLine or via the Internet with SmartBranch®. Deposit insurance by the National Credit Union Share Insurance Fund (NCUSIF) up to $100,000 (per member account). For complete details on insurance coverage amounts, request a free copy of "Your Insured Funds" brochure by calling SmartCall at 778-9221 (toll-free at 1-800-772-GECU). Life savings insurance protection provided at no direct to every eligible first-named party on a share account If you are insurable, a percentage of every dollar on deposit (up to $2,000) in a share account is matched with group term life insurance. Eligibility is subject only to liberal age and health requirements imposed by our insurance carrier, the CUNA Mutual Insurance Company. Benefits are payable upon death and are based on the member's age, health and the amount on deposit at time of death. Coverage ceases at age 70. For specific information regarding your Life-Savings policy, please refer to your Terms and Conditions Brochure.