Services Offered At GEORGIA GUARD CREDIT UNION

SHARE ACCOUNTS:
Open with $25.00, $20 membership fee and $5 minimum balance requirement, which is required to be eligible for any business transaction within the credit union. Balance of $100 required to begin accruing interest.

CLUB ACCOUNTS:
Open with $25.00, $25.00 minimum balance required. No monthly service charges apply to this account. Interest is paid quarterly when $100 is kept as a minimum. Rates on these accounts are set by the Board of Directors.

SHARE DRAFT ACCOUNTS:
Open with $50.00, $25 minimum balance required. There is a $4 monthly service charge for all checking accounts unless member is M-Day Active Duty or age 55 or better and in this case, a $2 monthly service charge applies. No service charge applies on either checking account when a $500 minimum balance is maintained.

VISA DEBIT CARDS:
Debit cards are offered to customers with a checking account in good financial standings. Cards can be re-issued if lost, stolen, broke, etc. A replacement fee in increments of $10 will apply, depending on how many cards you have had.

DIRECT DEPOSIT:
Direct Deposit can be accepted electronically from any employer or other financial institution to be deposited to your share account or share draft account.

PAYROLL DEDUCTION:
You can set up a payroll deduction through your employer and have it distributed to as many other accounts as needed to make your life easier. You can also set up a set amount to be direct deposited to other accounts if you do not wish for your full paycheck to be distributed to one account.

VISA CREDIT CARD:
Our Visa Credit Card is maintained through Illinois Credit Union System in Naperville. ICUS will approve the cards and offers competitive rates and benefits. Visit My CU Card for details or call (888) 415-6154.

INDIVIDUAL RETRITEMENT ACCOUNTS:
IRA’s can be set up with us or we can accept transfers or rollovers.

CERTIFICATE OF DEPOSITS:
Certificate of Deposits can be opened with a minimum deposit of $500.00. Our rates are competitive and we can usually match rates from other financial institutions.

LOANS:
The credit union offers a number of different kinds of loans including Signature Loans, New & Used Automobile Loans, Boats, Farm Equipment, Recreational Vehicles, Share Secured Loans, Personal Loans. REFER TO RATES FOR THE MOST CURRENT RATES.

RELOADABLE VISA CARDS:
Reloadable Visa Cards are now available. These cards are maintained by ICUL (Illinois Credit Union League). GGCU will order the first initial card for you. We can add funds to your card or you can visit
CU Money's website direct. This card does not require a checking account or direct deposit. It is not directly linked to your account so if it is ever lost or stolen, your account will not be at risk. For Terms & Conditions, please see our FAQ page.

FEES and SERVICE CHARGES