Experience Better Banking today.
Life moves fast. Your banking should keep up. Our digital tools put everything you need right at your fingertips — check balances, pay bills, transfer money, and more.
Features of Digital Banking
- Quickly transfer funds between accounts
- Deposit checks using your mobile phone
- Manage your debit or credit cards
Online Banking at GFA
At GFA, managing your money should be simple, secure, and always within reach. Our online banking platform gives every member the tools they need to bank smarter — we believe in Better Banking and helping our community and our online banking platform is one way we do that!
With 24/7 Online Banking, you can:
- Check balances and track your transaction history
- Pay bills one time or set up recurring bill payments
- Set up personalized alerts so you're always in the know
- Enroll in Real Time Alerts for low balances, large withdrawals, and more
- Access eStatements and go paperless on your own terms
- Free and available for you to sign up for today
Ready to get started? Enrolling in Online Banking takes just minutes — and our team is always here to help if you have questions. Enroll today.
Mobile Banking at GFA
Banking on your schedule, from wherever life takes you. GFA's Mobile Banking gives you the freedom to manage your finances anytime, anywhere — whether you're at home, at work, or on the go, your accounts are always just a tap away.
With GFA Mobile Banking, you can:
- Deposit checks right from your phone — fast and easy
- Pay bills online without logging into a computer
- Manage your GFA debit or credit cards through My Cards
- Transfer funds between your GFA accounts in seconds
- Available for business accounts too!
- Receive real-time alerts to monitor balances and account activity
Ready to bank on your terms? Download the GFA Mobile Banking app today for iPhone or Android and experience the difference of better banking built around your life.1
1Available on iPhone and Android enabled devices. Standard carrier rates and fees apply.
Bill Pay at GFA
Take control of your finances — pay your bills anywhere, anytime through bill pay. No more checks and stamps or visiting multiple websites. Just create a GFA Online Banking or Mobile Banking account, add an amount and schedule your one-time or recurring payment.
- Free to GFA members
- Save time and money
- Pay bills from anywhere using Online Banking or Mobile Banking
- Secure way to pay your bills
- Track your payment history
Get started with bill pay today!
Funds Transfer at GFA
Securely move money whenever you need to, all from the convenience of digital banking.
- Convenient — no need to visit multiple financial institutions
- Transfer funds between accounts or to other financial institutions
- Transfer funds from your account to another individual with accounts at GFA
How to Transfer Funds
To transfer funds to another GFA member from your GFA account, log into Online Banking and click "Transfers". Click on "Manage Person to Person Accounts" and fill out the information. You will need to know the member's first name, last name and account number.
To transfer funds from your GFA account to an account at another financial institution, click "Manage Bank to Bank Accounts." You will need to know the routing number of the other financial institution, as well as the account number.
With your GFA Debit Card loaded into your Digital Wallet1 you can make a purchase quickly and securely without taking out your wallet. It's never been easier!
Use your phone to make purchases wherever you see these logos:
How to Enroll:
- Android™ Users: Open the Google Wallet app or download it on Google Play if it is not already installed on your phone. Tap ‘Add to Wallet’, follow the instructions to upload your GFA Credit Union Debit MasterCard®, and verify your card if needed.
- Apple® Users: Simply tap the Wallet app that's already on your iPhone® and follow the instructions to upload your GFA Credit Union Debit MasterCard®. If your debit card is already connected to your iTunes® account, just enter the card security code within Wallet.
- Samsung® Users: On supported device, you should have Samsung Wallet already installed on your phone. If not, you can also visit the Galaxy Store® to download Samsung Wallet. Tap 'Add Card', follow the instructions to upload your GFA Credit Union Debit MasterCard®.
How to Pay:
- Android™ Users: Unlock your phone, hold it near the reader, and look for the check mark to know your payment has been accepted.
- Apple® Users: Open your mobile wallet, double-click the side button on your iPhone or Apple Watch® or place your finger on Touch ID®, then hold it near the reader.
- Samsung® Users: Launch the Samsung Wallet app and access your cards. Authenticate using your preferred verification method. Hold the back of your phone up to the reader.
Keeping you secure:
When you use one of these mobile wallets, your card number is replaced by a unique code for each transaction. That means your actual debit card numbers are never shared, adding an extra layer of security when you shop.
To learn more, visit:
Most Smartphones Come with a mobile wallet app preloaded whether you have an Apple®, Samsung®, Android™, or other type of smartphone.
To learn more about which devices are supported, visit:
1Text, data, and messaging rates apply for downloading/utilizing the app and text alerts. Apple, Apple Watch, App Store, iPhone, iTunes,Touch ID, and the Apple logo are trademarks of Apple Inc., registered in the U.S. and other countries. Android, Android Pay, Google Play, and the Android Logo are trademarks of Google Inc. Samsung Pay, Samsung, and Galaxy Apps are registered trademarks of Samsung Electronics Co., Ltd.
Use this calculator to determine your projected earnings from our Kasasa Cash account. Move the sliders or type in the numbers to see your potential rewards.
- Estimated Annual Rewards $0
- Estimated monthly dividend earned* $0
- Monthly ATM fees refunded**$0
This calculator compares the costs of buying or leasing a vehicle. There are three sections to complete, and you can adjust and experiment with different scenarios.
- Net cost of buying $0
- Net cost of leasing $0
A fixed-rate, fixed-term CD can earn higher returns than a standard savings account. Use this calculator to get an estimate of your earnings. Move the sliders or type in numbers to get started.
- Total value at maturity $0
- Total dividend earned $0
- Annual Percentage Yield (APY)0.000%
Whether it's a down payment, college, a dream vacation...a savings plan can help you reach your goal. Use the sliders to experiment based on length of time and amount per month.
- Monthly deposit needed to reach goal $0
This calculator can help you get a general idea of monthly payments to expect for a simple loan. Move the sliders or type in numbers to get started.
- Estimated monthly payment $0
- Total paid $0
- Total interest paid $0
Adjustable Rate Mortgages
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 5-Year / 6-Month | 0 | 6.000% | 6.491% | $599.55 - $976.00 |
Adjustable Rate Mortgages (ARM) are variable rate loans, interest rates and payments may increase after the initial term.
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Example: A 5-Year / 6-Month ARM offers a fixed interest rate for the first five years. After that, the rate may adjust every six months based on market conditions, subject to rate caps. Learn More
Auto Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 24 Month | 4.99% | $46.56 |
| 36 Month | 5.99% | $32.30 |
| 48 Month | 5.99% | $24.93 |
| 66 Month | 6.24% | $19.06 |
| 75 Month | 6.49% | $17.27 |
| 84 Month | 7.24% | $16.17 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for automobiles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 125% financing available on consumer autos. For rates on automobiles 2017 and older, please call us. GFA membership is required, members must maintain a $10.00 deposit relationship.
Business Checking Accounts
| Account | Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| Small Business Checking | N/A | 0.00% | 0.00% | $25.00 |
| Member Business Checking | $0.01 | Earnings Credit2 | N/A | $100.00 |
| Non-Profit Checking | $0.01 - $499.99 $500+ |
0.00% 0.02% |
0.00% 0.02% |
$50.00 |
1(APY) Annual Percentage Yield
2Earnings Credit is calculated using prior month average three-month constant maturity Treasury rate, as published in Federal Reserve Publication H.15 - "Selected Interest Rates". Rate changes the first Tuesday of each month.
Business Savings Accounts
| Account | Minimum Balance to Earn APY1 | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| Business Savings | $0 - $4,999.99 $5,000 - $25,000.00 $25,000+ |
0.10% 0.50% 1.65% |
0.10% 0.50% 1.64% |
$500.00 |
| Business Money Market |
$0 - $24,999.99 $25,000 - $49,999.99 $50,000 - $99,999.99 $100,000 and above |
1.50% 2.50% 3.00% 3.50% |
1.49% 2.47% 2.96% 3.45% |
$500.00 |
| Non-Profit Savings | $0.01 - $50,000.00 $50,000.01 - $100,000.00 $100,000.01 - $250,000.00 $250,000.01 - $500,000.00 $500,000.01 and above |
1.50% 2.50% 3.25% 3.25% 3.75% |
1.49% 2.47% 3.20% 3.20% 3.69% |
$500.00 |
1(APY) Annual Percentage Yield
Rates are variable and subject to change after account opening. Fees may reduce earnings. Rates are subject to change without notice.
Checking Accounts
| Product | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| Free Checking+ | $0.01 - $500.00 $500.01 - $10,000.00 $10,000.01 + |
5.00% 3.00% 0.01% |
4.89% 2.96% 0.01% |
$25.00 |
| Free Checking | $0.00 | 0.00% | 0.00% | $25.00 |
| 18/65 Checking | $0.00 | 0.00% | 0.00% | $10.00 |
| New Start Checking | $0.00 | 0.00% | 0.00% | $25.00 |
First Time Homebuyer Program
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 30 Years | 0 | 6.250% | 6.521% | $615.72 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
$500 closing cost credit.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Fixed Rate Mortgage - up to $832,750.00
| Term | Points | Rate | Annual Percentage Rate (APR) | Payments/$100,0001 |
|---|---|---|---|---|
| 10 Years | 0 | 6.500% | 7.140% | $1,135.48 Apply Now |
| 15 Years | 0 | 6.250% | 6.700% | $857.42 Apply Now |
| 20 Years | 0 | 6.675% | 7.042% | $755.91 Apply Now |
| 30 Years | 0 | 6.250% | 6.521% | $615.72 Apply Now |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Bi-weekly rates available.
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Rates and fees disclosed are for loans that meet Secondary Mortgage Market underwriting standards; additional rate and fees may apply.
Home Equity Line of Credit - from 80% to 90% LTV
| Term | Rate | Annual Percentage Rate (APR) | Max APR |
|---|---|---|---|
| Equity Line | 7.750% | 7.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 1.000% with floor of 5.50%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
MAX loan amount $250,000
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Line of Credit - from 90% to 100% LTV
| Term | Rate | Annual Percentage Rate (APR) | Max APR |
|---|---|---|---|
| Equity Line | 8.750% | 8.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 2.000% with floor of 5.50%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
MAX loan amount $250,000
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Line of Credit - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Current Variable Rate | Max APR |
|---|---|---|---|---|
| Equity Line | 6.750% | 6.750% | 6.750% | 18% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 10 yr draw - 10 yr repayment interest only payments, annual fee may apply.
Prime rate for the life of the loan, with a floor rate of 4.000%.
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
Variable rate, subject to change without notice.
Home owners insurance may be required.
Home Equity Loan - from 80.01% to 90% LTV
| Term | Rate | Annual Percentage Rate (APR) | Payments/$1,0001 |
|---|---|---|---|
| Up to 60 Months | 7.500% | 7.500% | $20.04 |
| Up to 120 Months | 8.000% | 8.000% | $12.13 |
| Up to 180 Months | 8.250% | 8.250% | $9.70 |
| Up to 240 Months | 8.500% | 8.500% | $8.68 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
1Payment does not include taxes and insurance; actual payments may be greater
Home owners insurance may be required
MAX loan amount $250,000
Rates are subject to change without notice
Home Equity Loan - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Payments/$1,0001 |
|---|---|---|---|
| Up to 60 Months | 6.500% | 6.500% | $19.57 |
| Up to 120 Months | 7.000% | 7.000% | $11.61 |
| Up to 180 Months | 7.125% | 7.125% | $9.06 |
| Up to 240 Months | 7.500% | 7.500% | $8.06 |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account
1Payment does not include taxes and insurance; actual payments may be greater.
Home owners insurance may be required.
Rates subject to change without notice.
Investment Property Home Equity Line of Credit - up to 80% LTV
| Term | Rate | Annual Percentage Rate (APR) | Current Variable Rate |
|---|---|---|---|
| Equity Line | 8.500% | 8.500% | 8.500% |
Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised.
Membership to GFA Federal Credit Union requires a $10 balance in a savings or checking account.
Equity Line: 5 year draw - 10 year repayment interest only payments, annual fee may apply.
Prime rate plus 1.750% with floor of 5.50%
Prime rate as published in the Wall Street Journal on the first business day of each month 6.750% (effective 12/11/2025).
Variable rate, subject to change without notice.
Home owners insurance may be required.
IRA Share Certificates
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 3 Month Special | $500.00 | 1.00% | 1.00% | $500.00 |
| 3 < 6 Months | $500.00 | 0.20% | 0.20% | $500.00 |
| 5 Month Special | $500.00 | 3.80% | 3.74% | $500.00 |
| 6 Month Special | $500.00 | 2.75% | 2.72% | $500.00 |
| 6 < 12 Months | $500.00 | 0.25% | 0.25% | $500.00 |
| 10 Month Special | $500.00 | 3.70% | 3.64% | $500.00 |
| 12 < 24 Months | $500.00 | 0.35% | 0.35% | $500.00 |
| 15 Month Special | $500.00 | 3.60% | 3.54% | $500.00 |
| 24 < 36 Months | $500.00 | 0.40% | 0.40% | $500.00 |
| 25 Month Special | $500.00 | 3.20% | 3.15% | $500.00 |
| 36 < 48 Months | $500.00 | 0.60% | 0.60% | $500.00 |
| 48 < 60 Months | $500.00 | 0.75% | 0.75% | $500.00 |
| 60 =/< 84 Months | $500.00 | 0.85% | 0.85% | $500.00 |
Jumbo Fixed Rate Mortgages - over $832,750.00
15, 20, and 30 year terms available. Contact our Motgage Originators for current rates and to learn more.
Money Market
| Minimum Balance to Earn APY | Annual Percentage Yield (APY) |
Dividend Rate
|
Minimum to Open |
|---|---|---|---|
| $0.01 - $9,999.99 | 0.00% | 0.00% | $500.00 |
| $10,000.00 and above | 3.50% | 3.45% |
Motorcycle Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 36 Months | 9.99% | $34.31 |
| 60 Months | 10.99% | $23.13 |
| 72 Months | 11.49% | $20.53 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for motorcycles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 125% financing available on consumer motorcycles. GFA membership is required, members must maintain a $10.00 deposit relationship.
Personal Loan Rates
| Personal Loan | Term | APR1 | Payments/$1,000 |
|---|---|---|---|
| 48 Month | 13.49% | $28.84 | |
| 72 Month | 15.49% | $22.83 | |
| Signature Loan2 | 12 Month | 17.49% | $92.11 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Advertised rates for personal loans reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee. GFA membership is required, members must maintain a $10.00 deposit relationship.
2Requires a 90 day active GFA membership with a minimum direct deposit of $250 per month, other qualifications apply. Published rate includes a .50% discount when you enroll in automatic payment. No credit pull, verification of income required, no application fee. Only 1 Signature Loan can be open at a time, no roll-overs, no more than 3 loans may be made within a 6 month rolling timeframe. Rates are subject to change without notice. You must apply directly to the Credit Union to be eligible. Not valid with any other offer and is non-transferable.
Recreational Vehicle Loan Rates
| Term | APR1 | Payments/$1,000 |
|---|---|---|
| 60 Months | 9.99% | $22.60 |
| 72 Months | 10.99% | $20.25 |
| 84 Months | 11.49% | $18.50 |
| 120 Months | 11.99% | $15.27 |
| 180 Months | 13.49% | $13.83 |
1Annual Percentage Rate (APR). Loan Rates are subject to credit underwriting and approval, actual rates may differ from those advertised. Maximum terms allows determined by amount borrowed and underwriter discretion. Rates are subject to change and may change without notice. Additional rate add ons may apply. Advertised rates for recreational vehicles reflect a .25% discount for automatic payment. Advertised rates are offered to borrowers who qualify for our highest credit tier. Amount financed includes a $59.00 application fee and up to $195.00 VSI Insurance. Up to 120% financing available on consumer recreational vehicles. For rates on recreational vehicles 2016 and older, please call us. Snowmobiles and ATV’s have a max term of 72 months. GFA membership is required, members must maintain a $10.00 deposit relationship.
Savings Accounts
| Product | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| Statement Savings | $0.01 $50.00 $500.00 $5,000.00 |
0.00% 0.05% 0.05% 0.05% |
0.00% 0.05% 0.05% 0.05% |
$30.00 |
| Fusion Savings | $0.01 $25,000.00+ |
2.60% 1.60% |
2.57% 1.59% |
$1,000.00 |
| 18/65 Savings | $0.01 $10.00+ |
0.00% 0.05% |
0.00% 0.05% |
$10.00 |
| Savings IRA | $0.01 $50.00 $500.00 $5,000.00 |
0.00% 0.05% 0.05% 0.05% |
0.00% 0.05% 0.05% 0.05% |
$50.00 |
Student Saver Certificate
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 12 Months | $100.00 | 4.00% | 3.93% | $100.00 |
Term Share Certificates
| Term | Minimum Balance to Earn APY | Annual Percentage Yield (APY) | Dividend Rate | Minimum to Open |
|---|---|---|---|---|
| 3 Month Special | $500.00 | 3.75% | 3.69% | $500.00 |
| 3 < 6 Months | $500.00 | 0.20% | 0.20% | $500.00 |
| 5 Month Special | $500.00 | 3.80% | 3.74% | $500.00 |
| 6 Month Special | $500.00 | 3.75% | 3.69% | $500.00 |
| 6 < 12 Months | $500.00 | 0.25% | 0.25% | $500.00 |
| 8 Month Special1 | $1,000.00 | 4.00% | 3.93% | $1,000.00 |
| 10 Month Special | $500.00 | 3.70% | 3.64% | $500.00 |
| 12 < 24 Months | $500.00 | 0.35% | 0.35% | $500.00 |
| 15 Month Special | $500.00 | 4.25% | 4.17% | $500.00 |
| 24 < 36 Months | $500.00 | 0.40% | 0.40% | $500.00 |
| 25 Month Special | $500.00 | 3.20% | 3.15% | $500.00 |
| 36 < 48 Months | $500.00 | 0.60% | 0.60% | $500.00 |
| 48 < 60 Months | $500.00 | 0.75% | 0.75% | $500.00 |
| 60 =/< 84 Months | $500.00 | 0.85% | 0.85% | $500.00 |
