Savings Account

Personal Savings Accounts1

A personal savings account is ideal when you're saving for something special or building an emergency fund for unexpected expenses.



Get ready for the next holiday season by opening a GECU Christmas Club account today! Deposit as much and as often as you like — your money will start earning interest right away. Set up an automatic transfer to your account to make saving easier and start checking gifts off your list sooner!

  • Get started with a $10 deposit
  • Set up an automatic transfer to your GECU Christmas Club account
  • Access your funds on November 1, 2020

Open your GECU Christmas Club account by visiting any GECU location or by calling 915.778.9221, toll-free at 1.800.772.4328.


Save some extra money each week by skipping the lunch rush at your favorite restaurant and packing lunch from home. If you save just $20 each week starting January 1, 2020, you’ll save $880 by November 1, 2020!


GECU Savings Accounts**

You can start accomplishing more with the tools, encouragement and support of GECU's savings accounts. We're here to help you make small efforts that can lead to big things. Save today, so tomorrow you can ask yourself, "What's next for me?"

  • Savings accounts
  • Youth and education savings
  • Emergency or vacation savings funds
  • Retirement saving***

Open your GECU savings account at any location today!

Choosing Your Personal Savings Account

Congratulations! When you open your personal savings account, you become a member and owner of GECU. That means opportunities to apply for a wide range of affordable loans and other GECU products and services.

  • No monthly service fee
  • Free online banking
  • Free access to your account on your pc, laptop, tablet and mobile phone2
  • Transfer funds at no charge to your saving and deposit accounts
  • Free GECU ATM Card
  • Surcharge-free ATMs locally and nationwide3

GECU Youth Savings Accounts

GECU offers three educational accounts designed to teach your kids the discipline of saving money and watching it grow.

  • Money Mammals — up to 8 years.

    Our Money Mammals account is perfect for teaching younger children the value of saving and spending their money.

    • No monthly service fee
    • Online financial tools
    • Quarterly online newsletters
    • Interactive website
    • Free coin sorter usage
    • Special free gift when they open their account
  • M3 Money Club — 9 to 13 years.

    It's never too early for your "tweens" to learn about saving money and about savings accounts. GECU's M3 Money Club will show your son or daughter how to develop smart money management skills ... and, it's fun too!

    • No monthly service fee
    • Online financial tools
    • Online newsletter and interactive website
    • Free coin sorter usage
    • Special free gift when they open their account
  • Free2Be — 14 to 17 years.

    Now that you have a job, it's time to learn about managing money. GECU has a savings account (and checking) to help you on your way to financial freedom.

    • No monthly service fee
    • Free access to Free2Be online newsletter and interactive website
    • A variety of financial tools, tips, podcasts and videos
    • Free access to 24/7 online banking on your pc, laptop, tablet or mobile phone2
    • Free coin sorter usage
    • Surcharge free ATMs locally and nationally3
    • Free special $5 music download gift when you open your account

Senior Privilege Program

Savings Calculator

Want to know how much you'll need to save to reach your savings goal? We can help! Click here.4

Account Minimum Opening Balance Minimum Balance to Earn Dividends Dividend/Interest Payment Period Special Requirements
Personal savings account 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 None
Youth Accounts
Money Mammals Club

M3 Money Club

Free2Be savings






All youth accounts are paid quarterly on the last business day of March, June, September and December
Up to 8 years

9 to 13 years

14 to 17 years
Christmas Club account $10 $10 On November 1, the funds will be deposited to the account that you designate plus earned interest through October 31. Open any time between November 1 and March 31.5

(1) Must have a GECU share account to become a member at GECU. Only $20 to open — that's your first share of ownership in GECU. Learn how to become a member.
(2) No charge to access these services from GECU. Standard text-messaging and data rates may apply.
(3) There may be transaction fees charged by owner of non-GECU ATMs.
(4) Information and interactive calculators are made available to you as self-help tools for your independent use and are for illustrative purposes only. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes.
(5) If an early withdrawal is made, account will be closed and accrued interest will be lost.
*Requires only $10 to open. Early withdrawal results in loss of interest and closure of your account if funds are withdrawn before November 1, 2020. Learn more about how you can join. Click here.
**Learn more about how you can join. Click here.
***Other conditions apply.

In addition to the above, all GECU share/savings accounts offer the following benefits:

  • 24/7/365 access to account information by calling 915.778.9221 or by logging in to Online Banking.
  • Deposit insurance by the National Credit Union Share Insurance Fund (NCUSIF) up to $250,000. For complete details on insurance coverage amounts, request a free copy of "Your Insured Funds" brochure by speaking with a live GECU representative at 915.778.9221, toll-free at 1.800.772.4328.