LoginUltimate Checking is for members looking to get the most from their money.
Features:
- Reward of 3.00% APY*
- FREE Visa® Debit Card
- FREE Instant Issue Debit Card
- FREEWebConnect (Online Banking)
- FREEeZDeposit (Mobile Check Deposit)
- FREE eStatements, Bill Pay and Mobile Banking
- FREE withdrawals at GLCU-owned ATMs
- Convenient account access at thousands of ATMs
- Available Overdraft Protection
Checking/Savings Account Rates
Effective Date: Tuesday, October 14, 2025
| Account | Dividend Rate | APY* | |
|---|---|---|---|
| Ultimate Checking** | Up to $10,000 | 2.960% | 3.00% |
| Share Savings (Including IRA) | $100 minimum to earn | 0.100% | 0.10% |
| Santa Saver | $5.00 minimum to earn | 0.100% | 0.10% |
| Kirby Kids Savings | $5.00 minimum to earn | 0.100% | 0.10% |
| Young Adult Savings Account | $5.00 minimum to earn | 0.100% | 0.10% |
*APY = Annual Percentage Yield. All dividend rates and APY may change at any time, as determined by GLCU Board of Directors. The APYs shown above assume that all principal and dividends remain on deposit for the entire term. Fees could reduce earnings on the above accounts. Penalties apply for early withdrawal from Share Certificates and Santa Saver Accounts. Additional account information is provided in separate Account Disclosures.
**Balances up to $10,000 will earn the stated dividend rate and the portion of the balance over $10,000 will earn the standard savings dividend rate. Dividends will be paid on ONE Ultimate Checking Account per member. Fees could reduce earnings. Also applies to Young Adult Ultimate Checking Account.
Minimum requirements to earn dividends:
1. Maintain a monthly Direct Deposit of $500.00 or more
2. 10 Debit Card purchases per month totaling $100.00 or more - signature purchases only, no Returns, PIN or ATM. Purchases must be posted to the account during the month to count toward the 10
3. You must be enrolled in eStatements, and an active user of GLCU's online Bill Pay or Mobile Banking