Become a Member

Better Rates. Better Fees. Better Value. 

It’s Better Banking.   

GFA is more than another financial institution. As a not-for-profit financial cooperative, we are entirely designed to put our members first. When you join, you aren’t just a customer — you’re a member-owner.

A CREDIT UNION — FOR ALL OF LIFE’S MOMENTS 

Unlike traditional banks that answer to outside shareholders, credit unions return profits directly to their members. This structural difference creates unique advantages for your wallet, your experience, and most importantly, our community.

Top Three Benefits of Joining a Credit Union 

Here’s the breakdown of what it means to be part of a credit union where your needs are among our priorities.

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1. Better Rates 

Since we operate as a not-for-profit, our surplus funds go right back to you. Seriously. Members routinely enjoy higher APYs on savings accounts and checking accounts along with lower interest rates on vehicle loans, mortgages, and credit cards.

2. Better Fees 

We believe your money should stay in your pocket. Our credit union is built to serve, which means you experience significantly fewer fees, lower monthly maintenance costs, and friendly terms compared to big commercial banks.

3. Better Value 

At our credit union, your voice matters. Every member owns an equal share of the financial cooperative and has a direct vote in the way things are run. For example, you can elect our volunteer Board of Directors. Be as involved, or hands-off, as you’d like.

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How to Become a Member of GFA

To become a member of our credit union make a deposit of at least $10.00 in any of the following accounts to serve as your membership account.

  • Checking Account
  • Savings Account (excluding Health Savings Account & IRA Savings)
  • Cash Management/Money Market Accounts

Once you join GFA, you can remain a member for life. This means even if you move you are still a member and able to bank with us through Online and Mobile Banking, or by using the CO-OP Shared Branching Network.

You may also fill out the online application by clicking the button below.

Become a Member

Frequently Asked Questions (FAQs)

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How do I become a member of your credit union?

To join GFA, you must make a deposit of at least $10.00 in any of the following accounts to serve as your membership account:

What is the difference between a credit union and a bank?

The primary difference between a credit union and a bank is ownership. Traditional banks are for-profit corporations owned by stakeholders. GFA is a not-for-profit financial cooperative owned entirely by our members.

Is my money safe in a credit union?

Yes, your deposits are exceptionally secure. Just as traditional commercial banks are backed by the FDIC, federal credit unions are backed by the National Credit Union Administration (NCUA). Your deposits at GFA are federally insured up to at least $250,000 per individual member, backed by the full faith and credit of the United States government.

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Digital Banking

Experience the future of finance with our digital banking features! You’ll always have secure and fast access to your finances.

Financial Guidance

Navigate the financial mazes with our helpful financial education tools, ensuring your journey is heading on the right path for your goals.

NCUA Insurance

Your funds are federally insured by the National Credit Union Administration (NCUA) up to $250,000, establishing a fortress of safety around your finances.

Accounts For All Stages of Life

From everyday checking to savings accounts and certificates, our deposit options are meant to maximize your earnings.

Loans For Every Member

Whether you’re buying a new car, upgrading your home, or putting the final touches on the layout of your new store, our loans put your financial health first.