Account Fees

¹ Fees subject to change daily at the discretion of the Board of Directors.
² Each member (personal and non-profit entity) must pay a one-time $5 membership fee. Membership fee is charged when member’s first Share Account is opened (FAT CAT and Zard Share Accounts are exempt from this fee). Members opening a first Share Account jointly must each pay a one-time $5 membership fee. This $5 fee amount is paid to the Credit Union and is not deposited to the Account.
³ NSF Fee Free Day is the first day of a calendar year in which NSF Fees would otherwise be incurred.
⁴ See our Account Rules and Regulations and our Overdraft Transfer Service Terms and Conditions for more information.
⁵ No fee if the account has a minimum balance of $5 on the statement date.
⁶ No fee if the account maintains a minimum balance of $250.
⁷ No fee if the account has a minimum balance of $25 on the statement date.
⁸ When you use a non-CashPoints ATM, the owner/operator of the ATM or any network used may also charge you fees.
⁹ When you use a non-CashPoints ATM, the ATM owner/operator may charge a fee for a balance inquiry even if you do not complete a monetary transaction.
¹⁰ Visa applies a fee to any international transaction. The fee is 1% of the U.S. dollar amount of the international transaction. An international transaction includes (a) any transaction made in a foreign country, and (b) any transaction made or processed outside of the United States. For more information regarding international debit card transactions, see the Supplemental Terms and Conditions for GKCU Visa Debit, CashPoints, and CashPoints Global Cards, which is a supplement to the Account Rules and Regulations. For more information regarding international credit card transactions, see our Credit Cardholder Agreement. Your Supplemental Terms and Conditions for GKCU Visa Debit, CashPoints, and CashPoints Global Cards and the Credit Cardholder Agreement can be found on our Account Disclosures page.
¹¹ FAT CAT and Zard cards are exempt from this fee.
¹² Annual Percentage Rate (APR) for purchases, balance transfers, and cash advances as of 4/21/2025 is 11.50%. The rate is variable and subject to change. Interest begins to accrue on purchases and balance transfers from the day the transaction is added to the daily balance and continues to accrue until the total amount owed is paid. You can avoid paying interest on purchases and balance transfers if you pay the entire balance for the prior billing cycle by the payment due date in the current billing cycle. You cannot avoid paying interest on cash advances. Interest begins to accrue on cash advances at the time of transfer.
¹³ For each financial transaction at a CashPoints, Visa or PLUS ATM.
¹⁴ $0 for member-requested copies in connection with audits and court orders, $0 for other copy requests of 10 items or less, $1 per item for other copy requests after the first 10 items, except as prohibited by law. Checks and statements can also be viewed and printed from Connect GKCU for 24 months [checks] and 18 months [statements] at no charge.
¹⁵ Fee waived for any check in the amount of $500 or more.