Deposit Accounts


All GKCU deposit products are subject to the account rules and regulations of Greater Kinston Credit Union (GKCU). Members may apply for deposit products at our Kinston branch.

Savings (Share) Account

  • Current interest rate is 0.25% / 0.25% APY1
  • $5.00 membership fee
  • Establishes a GKCU membership
  • Required $5.00 opening deposit and minimum balance2
  • Dividends compounded daily and paid monthly
  • Debits from Share accounts are subject to limitations as defined in Regulation D
  • No checks can be written and no automated clearing house (ACH) debits are allowed on share accounts

Checking (Share Draft) Account

  • Current interest rate is 0.20% / 0.20% APY1
  • No charge for opening deposit
  • $1.00 monthly maintenance fee
  • Overdraft transfer service
  • 50 checks may clear each statement cycle without fee3
  • Dividends compounded daily and paid monthly
For detailed information, please review the Checking Account Fees and Terms and/or visit the Pew Safe Checking page.

CashPoints® Global (CPG) Account

  • Each owner of a CPG account can be issued a CPG card4
  • Unlimited number of authorized users
  • Monthly statement can be paper or e-statement
  • $4,000 daily purchase limit5
  • $500 maximum daily cash withdrawal limit
  • Accessible via ATM, Connect GKCU, and our local branch
  • Accessible online through your CPG card or other traditional debit/access cards owned by the same member
  • CPG can be used for wire transfers, a funding account for loan advances, a deposit account for tax refunds, a distribution account for Share Term Certificates and Holiday Cash Account
  • $1 monthly maintenance fee
  • No checks can be written and no automated clearing house (ACH) debits are allowed on CPG accounts

Please visit the CashPoints Global Account/Card page for more information.

Money Market Share Account

  • Current interest rate is 0.55% / 0.55% APY1
  • Required $250 opening deposit and minimum balance6
  • No maturity restrictions
  • Dividends compounded daily and paid monthly
  • Debits from Money Market accounts are subject to limitations as defined in Regulation D
  • No checks can be written and no automated clearing house (ACH) debits are allowed on money market share accounts

Share Term Certificate (STC) Account

  • Required $250 opening deposit and minimum balance
  • Available terms of 6, 12, 18, 24, 36, 48 and 60 month terms7
  • Fixed interest rate for the life of the certificate
  • Interest accrued daily, but not compounded monthly

Individual Retirement Account (IRA)

  • Current interest rate is 1.75% / 1.76% APY1
  • Roth, Traditional and SEP accounts available
  • Required $25 minimum opening deposit and minimum balance2
  • Dividends compounded daily and paid monthly
  • Debits from IRAs are subject to limitations as defined in Regulation D

Holiday Cash Club Account

  • Current interest rate is 0.25% / 0.25% APY1
  • No minimum deposit required to open
  • Dividends compounded daily, paid on the last business day in October
  • No service charge
  • Same account can be used the next year



1 Quoted Rates and annual percentage yields (APY) are subject to change daily.
2 A $1.00 fee is charged if the balance falls below the required minimum at any time.
3 Clearing items exceeding the allowed maximum will incur a $0.20 fee per item.
4 Replacement card fee for a lost or stolen card is $8.00.
5 The daily purchase limit is $4,000, including a maximum cash withdrawal limit of $500 per day. However, if $500 cash is withdrawn, only $3,500 is available for purchases that day.
6 A $2.00 fee is charged if the balance falls below $250 at any time.
7 Early withdrawal penalties apply.


*Quoted rates, dividends, annual percentage yields (APY) and rates (APR) are subject to change daily at the discretion of the Board of Directors. © Greater Kinston Credit Union