• GCU will be closed on Wednesday, December 25th in observance of Christmas Day, but you can still access your accounts 24/7 via our Online & Mobile Banking services, and by calling us anytime at 505-982-8942 or 800-540-5382.
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Savings & Checking Rates

Savings Accounts
Effective Date: December 5, 2023
TypeMinimumDividend RateAPY (Annual Percentage Yield)*
All savings accounts must have a minimum $100.00 balance in order to accumulate dividends.
Members Savings Account $5.00 0.10% 0.10%
Christmas club No minimum amount to open. No low balance fee.** 0.10% 0.10%
Special Savings No Minimum Amount To Open. No Low Balance Fee. Free Withdraws. 0.10% 0.10%
Car Maintenance No Minimum Amount To Open. No Low Balance Fee. Free Withdraws. 0.10% 0.10%
Round-Up Savings No Minimum Amount To Open. No Low Balance Fee. Free Withdraws. 0.10% 0.10%
Systematic Club No Minimum Amount To Open. No Low Balance Fee. Free Withdraws in April, Otherwise $15.00 Each.*** 0.10% 0.10%
*APR/APY not tiered to a balance range. **Fee-free withdrawals Oct. - Jan. ***Free withdrawals in April, otherwise $15.00 each.

Money Market Accounts
Effective Date: December 5, 2023
Money Market Accounts: Maintain Min. Bal. To Avoid $5.00/Mo. Low Bal. Fee
TypeMinimumDividend RateAPY (Annual Percentage Yield)
Money Market Account (A Minimum Balance of $ 1,000.00 is Required)
Bal. Range ($1,000.00 - $10,000.00) Minimum $ 100.00 Withdrawal 0.10% 0.10%
Bal. Range ($10,000.01 - $25,000.00) Minimum $ 100.00 Withdrawal 0.15% 0.15%
Bal. Range ($25,000.01 - $50,000.00) Minimum $ 100.00 Withdrawal 0.25% 0.25%
Bal. Range $50,000.01 or greater Minimum $ 100.00 Withdrawal 0.30% 0.30%

Premier Money Market Accounts
Effective Date: December 5, 2023
Premier Money Market Accounts: Maintain Min. Bal. To Avoid $10.00/Mo. Low Bal. Fee
TypeMinimumDividend RateAPY (Annual Percentage Yield)
Money Market Premier Account ($10,000.00 Minimum Balance Required)
Bal. Range ($10,000.01 - $25,000.00) Minimum $ 1,000.00 Withdrawal 0.15% 0.15%
Bal. Range. ($25,000.01 - $50,000.00) Minimum $ 1,000.00 Withdrawal 0.25% 0.25%
Bal. Range. ($50,000.01 - $75,000.00) Minimum $ 1,000.00 Withdrawal 0.30% 0.30%
Bal. Range. ($75,000.01 - $100,000.00) Minimum $ 1,000.00 Withdrawal 0.35% 0.35%
Bal. Range $100,000.01 or greater Minimum $ 1,000.00 Withdrawal 0.40% 0.40%

Checking Accounts
Effective Date: December 5, 2023
TypeMinimumDividend RateAPY (Annual Percentage Yield)
Investment Checking $1,000.00* 0.10% 0.10%

* Investment Checking: Maintain Min. Bal. To Avoid $10.00/Mo. low balance fee.
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Guadalupe Credit Union
3601 Mimbres Lane
Santa Fe, New Mexico 87507
 
Routing Number: 307084347
 
Federally Insured by NCUA
Equal Housing Opportunity
NMLS # 709308
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