Personal Savings Accounts*

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


November 1–March 31

Prepare for the next holiday season by opening a Christmas Club account today! Deposit as much and as often as you like — your money will start to earn interest right away! Set up an automatic transfer to your account to make saving easier.

Did you know?

If you transfer just $10 each week starting December 1, 2017, you'll save $480 by November 1, 2018!

Open your account at any GECU location. Or for more information, call 778.9221, toll-free at 1.800.772.4328.

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 phone**
  • Transfer funds at no charge to your saving and deposit accounts
  • Free GECU ATM Card
  • Surcharge free ATMs locally and nationwide***

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 rel="noopener noreferrer" 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
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    • Free access to Free2Be rel="noopener noreferrer" 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 phone**
    • Free coin sorter usage
    • Surcharge free ATMs locally and nationally***
    • Free special $5 music download gift when you open your account

    Christmas Club Account

    Senior Privilege Program

    Savings Calculator

    Want to know how much you'll need to save to reach your savings rel="noopener noreferrer" goal? We can help! Click here.*****

    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

    M3Money 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 you designate plus earned interest through October 31. Open any time between November 1 and March 31.
    ****If an early withdrawal is made, account will be closed and accrued interest will be lost.

    *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. It's easy to join GECU. Simply open a GECU share account. Learn how to become a member.
    **No charge to access these services from GECU. Standard text messaging and data rates may apply.
    ***There may be transaction fees charged by owner of non-GECU ATMs
    **** If an early withdrawal is made, account will be closed and accrued interest will be lost.
    *****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.
    (6) Requires only $10 to open. Early withdrawal results in loss of interest and closure of your account if funds are withdrawn before November 1, 2018. Learn more about how you can join. Click here.

    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 GECU SmartLine or on
    • 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 calling GECU's Call Center at 1-915-778-9221 (toll-free at 1-800-772-4328).