GFA Federal Credit Union
 

Free Checking+

The checking account with a great rate that helps your keep more of what you earn. So while you cover your day-to-day expenses, you can treat yourself with the little extras. 

Open and Account

  • Earns Interest - up to 5.00% APY1!
  • No minimum monthly balance requirements
  • ATM rebates2
  • Receive your Direct Deposit (Payroll, Retirement, Social security, or other recurring deposits) up to two (2) days early.3
  • Loan discounts
    • $350 closing cost credit
    • No auto loan application fee
  • FREE4 Greenlight account
  • FREE access to GreenPath Financial Wellness
  • Overdraft protection options available

Open

Check Rates


 

11APY = Annual Percentage Yield. To meet the minimum qualification requirements for the monthly qualification cycle (statement cycle), you must: 1) make 15 Debit Card purchases; 2) receive one $500.00+ direct deposit; and 3) maintain $2,500.00+ in account balances or maintain $40,000.00+ in loan balances. If you meet these requirements, 5.00% APY will be paid on balances $0.01 - $500.00, 3.00% APY will be paid on balances $500.01 - $10,000, and 0.01% APY will be paid on all balances thereafter. Minimum deposit of $25 required to open a Free Checking+ account. Balances calculated using the Daily Balance Method and interest is based on your daily average balance, compounded daily and paid monthly. Rates are effective 10/1/25.  Interest rates and APYs may change at any time. $5.00 monthly paper statement fee (can be waived by signing up for eStatements). Other fees may reduce earnings.

2To receive up to $10.00 in ATM fee reimbursements each month, you must meet the monthly qualifications.

3Preauthorized ACH credits received by GFA Credit Union may be credited to your account as soon as two business days prior to the scheduled posting date. On occasion, we may not receive information ahead of time from the ACH originator and may not be able to post your deposit early. In this case, your deposit will post on the scheduled posting day. GFA Credit Union is not responsible for NSF fees or penalties resulting from transactions in advance of an anticipated early ACH credit posting. 

4GFA Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their GFA Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms here for details. Offer ends 6/10/2026. Offer subject to change and partner participation. For other account qualifications, please refer to our terms and conditions.

GFA Mortgage Team

GFA Mortgage Team

GFA has a team of experienced mortgage professionals ready to help with all your home financing needs.  Learn More

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Auto Insurance

Auto Insurance

Receive multiple quotes online to help you save time and money. Members save an average of $500 a year on their auto insurance.   Learn More

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Mobile Banking

Mobile Banking

Take GFA with you no matter where you go with Mobile Banking. Check your balance, pay bills, make a deposit, it's that easy.  Learn More

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Digital Wallet

Digital Wallet

Your GFA Debit MasterCard® is with you whenever you have your phone. Pay for your purchases without having to take out you wallet.  Learn More

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