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Savings: Next Steps

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This is the basic account that makes you a member/owner of the credit union. It's your ticket to all the great products and services we offer.

Don't have the $100 minimum balance yet? Not to worry! When you sign up for Direct Deposit you can open your account with as little as $5 and take 90 days to bring your balance up to the minimum!

Learn about the benefits of membership �
Become a member �


Systematic Savings Club Just set it and forget it! There is no better way to grow your long-term savings than with regular automatic deposits. This account rewards your smart savings habits with higher dividends and no minimum balance, so you can reap the benefits even if you only save a few dollars a month. And, to help you avoid the temptation to "borrow" from your long-term savings, this account only allows free withdrawals in April.	Special Savings Club An easy way to keep track of your savings goals. Let's say you're saving up for a second honeymoon, your daughter's graduation gift, and a new HDTV. How do you keep it all straight? By creating special savings club accounts. With only one member number, you can create up to five club accounts to make it easier to see at a glance exactly how much you have saved toward each goal.	Christmas Club If holiday expenses seem to catch you by surprise, this is the perfect account for you. Choose any amount to be deposited each month. Your savings will grow painlessly and automatically all year. On November 1st, your Christmas Club savings will be transferred into your membership savings account. You'll have cash when you need it so you can avoid getting hit with holiday debt!

	Membership Savings	Systematic Savings Club	Special Savings Club	Christmas Club
Ideal for	Becoming a member of GCU, rainy-day savings	Building a hassle-free savings habit, saving for summer vacation, taxes, graduation gifts	Special short-term goals, usch as major household purchase or a down-payment on a car	Saving for the holidays and other year-end expenses such as insurance, property taxes, etc.
Earns dividends SEE RATES >>		Earns higher rates than regular savings
Access through over 25,000 fee-free ATMs
Access through CU-24 phone banking and online Home Banking
Minimum balance	$100.00	None	None	None
Conditions & Fees	One-time $1.00 membership fee	Requires regular automatic deposits. $15 early withdrawal fee except in April	Up to 6 club accounts under the same member number	Funds automatically transfer to membership savings on Nov. 1st Feb. - Sept. only $5 early withdrawal
Deposits & Withdrawals	Unlimited deposits; up to 6 free withdrawals per month.	Unlimited automatic deposits; free withdrawals in April	Unlimited deposits; up to 6 free automatic withdrawals per month.	Unlimited deposits; free withdrawals Oct. - Jan.

Young Savers � check out our youth accounts, especially for our members age 0-12 and 13-17.

Age 55 or over? Take advantage of our Royalty Club benefits.

Looking for higher rates? Try our investment accounts.

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Safe and sound
Your deposits are insured to at least $250,000 by the National Credit Union Administration. Learn more about your federal share insurance �

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Need help finding ways to save?
Check out the Savings Strategies section of our Learning Center for ideas, or come see us to make a plan for your unique situation.

You are invited to join if you live or work in Santa Fe, San Miguel, Mora, Rio Arriba, Torrance, or Taos County

Links that open in a new browser window are opening a third-party website. Guadalupe Credit Union is not responsible for the content of the linked website and does not represent either the third party or the member if the two enter into a transaction. Privacy and security policies of the linked website may differ from those practiced by Guadalupe Credit Union.

Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.

Truth-in-Savings Disclosure