Young Adult Account (Ages 15 - 23)

As you begin your journey toward financial independence, you need plenty of helpful tips and advice from sources you trust.

This account provides an easy way to save as well as educational materials, information and access to products that will further promote a positive financial future. 

A Young Adult Account includes:

View Current Rates

Effective Date: Tuesday, October 14, 2025

*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


Kirby Kids (Ages 0 - 14)

Our Kirby Kids account is is designed to help children learn financial lessons and have some FUN!

Being a Kirby Kid member has some great perks. A Kirby Kid account accrues dividends on daily balances of $5 or more, and these dividends are posted at the end of each calendar month.

Includes FREE Online Banking (WebConnect) and access to Kirby Kids website!

View Current Rates

Effective Date: Tuesday, October 14, 2025

*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