Please Schedule An Appointment for In-Branch Service For Any Transactions that Cannot be Accomplished at the Teller Window. Shared Branching Members will ONLY be serviced through our Drive-Thru lanes at our Paramus & Hackensack Locations, NO In-Branch Service. We encourage all our members to continue using our REMOTE SERVICES - STAY HOME - STAY SAFE - SAVE LIVES!
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All our branches will be CLOSED on Friday, July 3rd in observance of Independence Day. Please use our Remote Services to access your accounts and use our 85,000 Fee FREE ATMs to access your funds during this time. We will re-open during our regular business hours on Saturday, July 4th.

Deposit Rates

  • Home
  • Deposit Rates
Product Balances APY* Minimum Opening Deposit Minimum Balance to Avoid a Fee Minimum Balance to earn APY Compounding Method Crediting Frequency
Primary Savings $101 to $1,499 0.02% $25 $100 $101 Daily Quarterly
Primary Savings $1,500 to $9,999 0.02% $25 $100 $101 Daily Quarterly
Primary Savings Over 10,000 0.02% $25 $100 $101 Daily Quarterly
Premier Checking* $5,000 - $25,000 1.55% $5,000 $5,000 $5,000 Daily Quarterly
Premier Checking* Over $25,000 0.05% $5,000 $5,000 $5,000 Daily Quarterly
Youth Savings $25 - $1,000 1.00% $25 $0 $25 Daily Quarterly
Youth Savings Over $1,000 0.10% $25 $0 $25 Daily Quarterly
Business Savings $500 0.02% $100 $100 $500 Daily Quarterly
Vacation/ Freedom Club $5.00 0.05% $0.00 $0.00 $0.00 Daily Quarterly
Holiday Club $5.00 0.05% $0.00 $0.00 $0.00 Daily Quarterly
Don’t Touch Account $5.00 0.05% $0.00 $0.00 $0.00 Daily Quarterly
15 Month Home BuyerSavings Club ** $0 to $7,499 0.20% $100 $0.00 $0.00 Daily Monthly
15 Month Home Buyer Savings Club** $7,500 and above 0.15% $100 $0.00 $0.00 Daily Monthly
Summer Escrow /10 month Employee up to $15,000 2.00% $0.00 $0.00 $0.00 Daily Quarterly
Summer Escrow/10 month Employee $15,001 and Above 0.00% $0.00 $0.00 $0.00 Daily Quarterly
Education Club $5.00 0.05% $0.00 $0.00 $0.00 Daily Quarterly
Greater Business Checking $2,500 to $9,999 0.05% $100 $100 $2,500 Daily Quarterly
Greater Business Checking $10,000 to $24,999 0.05% $100 $100 $2,500 Daily Quarterly
Greater Business Checking $25,000 to $49,999 0.05% $100 $100 $2,500 Daily Quarterly
Greater Business Checking $50,000 to $74,999 0.05% $100 $100 $2,500 Daily Quarterly
Greater Business Checking over $75,000 0.05% $100 $100 $2,500 Daily Quarterly

APY= Annual Percentage Yield. Yields shown above is as of date 4/1/2020 and is subject to change without notice.  The minimum deposit to open a Share Savings is $100. Other fees may apply please check our FEE & Rate Schedule.

*Member must enroll for Online Banking and e-Statements and must have $500 direct deposit into the checking account each month.  If  these conditions are not met during any time of the month no interest will be paid on the account. Fees could reduce the earnings on the account.

**1 To obtain the $1,000 credit on your GAFCU mortgage, you must: (1) make net deposits of no less than $100 and no more than $500 each month and must make regular deposits into the Home Buyer Savings account for a minimum of 12 months or a maximum of 15 months, one missed deposit allowed for the15 month period; (2) you must separately qualify, be approved and close on a mortgage loan with us within 15 months after opening the savings account; (3) your deposit account must remain open until you close on a mortgage loan with us to receive the credit; (4) if the mortgage is paid off within two years of the date of closing you will be required to repay the $1000 credit to the credit union; (5) only one credit per mortgage loan; (6) mortgage loan limited to an amount not to exceed $474,999; (7) the mortgage must be used to buy your first primary residence; (8) if after 15 months from the opening of the deposit account you have not closed on a mortgage loan than the deposit account will be closed and the funds in the account will be transferred to the regular Savings Account at the credit union and the credit union will have no obligation to credit any funds towards your closing costs.

2 GreenPath will contact the members with instructions to complete a one-on-one Pre-Purchase counseling session to assess the member’s readiness to becoming a homeowner. With the member’s consent, GreenPath will notify the credit union upon members’ completion of the counseling and their readiness to becoming a homeowner. After the counseling is completed, the member will be instructed to complete the online homebuyer education by visiting http://www.ehomeamerica.org/greenpath. The cost for this online course is $25.

3 APY means Annual Percentage Yield accurate as of 4/1/2020 and subject to change without notice. $100 Minimum balance requirement to open the account. Must have a minimum deposit of $100 or a maximum amount of $500 into the Home Buyer Savings account each month. 0.15% APY paid on all balances up to $7,499 and 0.10% APY paid on any balances above $7,500 and over. Terms, conditions and withdrawal limitations apply. This does not represent a formal commitment for and participation in this savings plan does not guarantee that we will provide you with a mortgage loan. Other fees may apply. Fees may reduce earnings.

This offer is available only to members of the credit union. Membership in the credit union requires a minimum deposit of $100 dollars. This offer is subject to change in terms or termination at any time without notice. After an account is opened or a service begins, it is subject to its features, conditions and terms, which are subject to change at any time in accordance with applicable laws and agreements. Member must complete the Homebuyer counseling program and must pre-qualify for a mortgage within 30 days of opening the account, if not the account will closed out and the funds will be deposited within the primary savings account.

Rates