Personal

Personal Savings Solutions
We offer a wide array of competitive savings options to meet your specific financial needs.

For your peace of mind, the National Credit Union Share Insurance Fund (NCUSIF) insures the money you save at GFA up the maximum amount allowed by law. Additionally, regardless of where you live, your savings at GFA are also insured by the Massachusetts Share Insurance Corporation (MSIC).

Membership accounts
Fusion Savings
Share Savings
Gold Key Club Savings

Additional Savings Options
Cash Management
Club Accounts
Individual Retirement Accounts (IRA)
Student Savings Accounts
Term Share Certificates

Fusion Savings
What’s more interesting than interest? As you build your savings in a Fusion Savings Account you’ll get the chance to double your balance! One randomly selected Fusion Savings account holder will be drawn quarterly to earn rewards. Saving for the future has never been easier. Click here for complete rules.

Share Savings
As a statement savings with electronic access, your share savings account opens the door to all the benefits of membership. Why not start saving today? Pay yourself first and set aside whatever amount is comfortable for you and watch your savings grow.

Gold Key Club Savings
This savings account, for members who are at least 50 years of age, offers premium dividend rates, additional benefits and conveniences such as:

Premium rate on share balances of $5,000 or more.
Free domestic wire transfers.

Cash Management
If you are looking for a higher dividend rate and convenient access to your savings account, GFA's Cash management Account may be the answer. This account offers a competitive tiered dividend rate and the ability to write checks from your savings account.

Club Accounts
Want to set money aside for a specific purpose such as holiday shopping or your annual vacation? Open a Club Account for any saving purpose and contribute through direct deposit or automatic transfers from another GFA account and the money will be there when you need it.

Individual Retirement Accounts (IRA)
Whether you are just starting to plan for retirement, need to rollover a plan from a previous employer, or want to make the most out of your current retirement savings, GFA has a tool for you. GFA Federal Credit Union offers Traditional, Roth, SEP and Education IRAs in both fixed rate certificates and variable rate certificates. Our account options are designed to complement your needs and tax situation. You can rollover your 401(k) or 403(B) proceeds into an IRA with us and continue to prepare yourself for retirement.

Student Savings Accounts
Savings Safari Club
Members age 12 or younger are invited to join GFA's Savings Safari Club. This special account can be opened with just $2 to help young savers build their savings. Students earn competitive rates on their savings account and are able to upgrade to a Student Saver Certificate once they've saved $250 or more. And deposits can also be made at local school banking days.

Student Tycoon
The secret to a life of financial security is simple… start saving at a young age! For our savvy savers ages 12-18 we have the Student Tycoon Program. Students earn competitive rates on their savings account and are able to upgrade to a Student Saver Certificate once they've saved $250 or more. And deposits can also be made at local school banking days.

Student Saver Certificate
Student members up to 18 years of age, with a minimum of $250, are able to open a special Student Saver Certificate for a 12-month term, so they can earn a higher dividend rate on their savings.

Term Share Certificates
Are you able to set some of your savings aside for a specific length of time? Or do you have savings set aside for a future purpose? With a GFA Term Share Certificate you can earn higher dividend rates. Let us know your savings goals and we'll assist you in deciding which option may be best for you:

Fixed Rate Certificates – terms as short as 90 days or up to 5 years.
Variable Rate Certificate - balance advantageous certificate rates without locking into a rate for the entire term.
Bump Up Certificate - be guaranteed your rate won't go down during the term, but if rates increase, you can "bump up" your certificate to the current rate once during the term.
Market Index Certificate - Enjoy the excitement and rewards of the stock market and the peace of mind that your principal is protected and insured.
Student Saver Certificate - Savvy student savers 18 or under can take advantage of this special fixed term share certificate.