Budd Inlet near Olympia, Washington.

Account Services

Anticipated yields & rates are current as of September 1, 2024. Rates are subject to change without notice.

Savings Accounts

Account Rate Type Rate APY Minimum Opening Deposit
Savings Variable 0.10% 0.10% None
Kid's Club Savings Variable 0.10% 0.10% $5
Holiday Club Variable 0.25% 0.25% $5
Money Market Variable 0.70% 0.70% None
Fees can reduce earnings on the account.


Checking Accounts

Account Rate Type Rate APY Minimum Opening Deposit
Simply Checking N/A 0.00% 0.00% $25
Capital Checking* Variable 0.05% 0.05% $25
Prime Time Checking Variable 0.00% 0.00% $25
1st Priority** Checking Variable 0.05% 0.05% $25
Fees can reduce earnings on the account.  Refer to Fee Schedule below.
*Dividends paid on balance $200.00 and above, $200 minimum balance required to avoid $5 monthly fee.
**Dividends paid on balance $200.00 and above.  $7 monthly fee.

Investments

Account Minimum Balance to Open Rate Type Rate APY
Traditional/Roth IRA Savings Variable 0.25% 0.25% $25
Education IRA Variable 1.00% 1.00% $25


Certificates - Regular and IRA

Account/Term Rate Type Up to $49,999 $50,000+ Minimum Balance
180 Day Certificate Fixed 1.10% 1.20% $500
12 Month Certificate Fixed 2.50% 2.70% $500
18 Month Certificate Fixed 3.50% 3.70% $500
24 Month Certificate Fixed 2.50% 2.70% $500
36 Month Certificate Fixed 2.50% 2.70% $500
48 Month Certificate Fixed 2.50% 2.70% $500
60 Month Certificate Fixed 2.50% 2.70% $500
12 Month Kids Club Fixed 2.50% 2.70% $100
  • On all certificate accounts above, Generations may impose a penalty for early withdrawals. Fees can reduce earnings on the account.
  • Certificate rates and programs are subject to change.
  • Dividends are computed daily, paid monthly, or at maturity. The annual percentage yield listed above assumes dividends remain in the account until maturity.
APY = Annual Percentage Yield & APR = Annual Percentage Rate
Checking Account Fees
Check Printing $1.00 per item
NSF
$30.00 per item
ATM Overdraft $30.00 per item
One-time debit overdraft $30.00 per item
Overdraft Protection $30.00 per item
Returned Item $30.00 per item
Stop Payment $10.00 per request

Capital Checking Account Fees
Below balance $5.00 per month if minimum daily balance is not met

Simply Checking Account Fees
Mailed Statement $5.00 per month if not enrolled in eStatements

1st Priority Checking Account Fees
$7.00 per month

Holiday Club Account Fees
Early Withdrawals $10.00 per withdrawal

EFT Fees
ACH Overdraft $30.00
Card Replacement $10.00
Debit Card Overdraft $30.00
Debit Card Cancelled by GCU for abuse $25.00
Stop Payment of ACH $10.00
Checking Account closed for abuse $25.00
Nonproprietary ATM Withdrawal/Transfer $1.00
Safe Deposit Box Fees
3"x5" $20.00 per year
3"x10" $35.00 per year
6"x10" $50.00 per year
9"x10" $80.00 per year
Change Locks $50.00 + locksmith cost
Drilling of Boxes
At cost - appox. $250
Key Replacement $25.00 + locksmith cost
Other Service Fees
Foreign Check Processing Fee $20 per hour
Account Reconciliation
$20.00 per hour
Automatic Overdraft Transfer $5.00 per transfer
Cashier's Check $2.00 per check (no charge if to a member)
Dormant Account $5.00 per month (after 1 year)
Garnishment/Levies $25.00 per item
Inactive Account $5.00 per month (after 1 year)
Legal Process  $0.25 per copy
Statement Copy $1.50 per statement copy
Wire Transfer (incoming) $0.00 per transfer
Wire Transfer (outgoing) $25.00 per transfer
Copy of Cashiers Check no fee
Stop Payment on Cashiers Check $10.00 each (only allowed if lost/stolen)
Check Cashing fee $3.00 each if account balance is below $100
Document Retrieval $3.00 per page; $20.00 per hour, minimum $20.00
The rates and fees listed are accurate as of September 1, 2024. If you have any questions please call the Credit Union.