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Free Checking +:

¹APY = Annual Percentage Yield. To meet the minimum qualification requirements for the monthly qualification cycle (statement cycle), you must: 1) make 15 Debit Card purchases; 2) receive one $500.00+ direct deposit; and 3) maintain $2,500.00+ in account balances or maintain $40,000.00+ in loan balances. If you meet these requirements, 5.00% APY will be paid on balances $0.01 - $500.00, 3.00% APY will be paid on balances $500.01 - $10,000, and 0.01% APY will be paid on all balances thereafter. Minimum deposit of $25 required to open a Free Checking+ account. Balances calculated using the Daily Balance Method and interest is based on your daily average balance, compounded daily and paid monthly. Rates are effective 10/1/25.  Interest rates and APYs may change at any time. $5.00 monthly paper statement fee (can be waived by signing up for eStatements). Other fees may reduce earnings.

²To receive up to $10.00 in ATM fee reimbursements each month, you must meet the monthly qualifications.

³Preauthorized ACH credits received by GFA Credit Union may be credited to your account as soon as two business days prior to the scheduled posting date. On occasion, we may not receive information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting day. GFA Credit Union is not responsible for NSF fees or penalties resulting from transactions in advance of an anticipated early ACH credit posting. 

Free Checking:

¹Preauthorized ACH credits received by GFA Credit Union may be credited to your account as soon as two business days prior to the scheduled posting date. On occasion, we may not receive information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting day. GFA Credit Union is not responsible for NSF fees or penalties resulting from transactions in advance of an anticipated early ACH credit posting. 

New Start Checking:

¹Debit Card access may be restricted to certain balance requirements and limits. For other account qualifications, please refer to our terms and conditions.

²Preauthorized ACH credits received by GFA Credit Union may be credited to your account as soon as two business days prior to the scheduled posting date. On occasion, we may not receive information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting day. GFA Credit Union is not responsible for NSF fees or penalties resulting from transactions in advance of an anticipated early ACH credit posting.